Question 2 Official Ballot Wording

A YES VOTE would regulate dental insurance rates, including by requiring companies to spend at least 83% of premiums on member dental expenses and quality improvements instead of administrative expenses, and by making other changes to dental insurance regulations.

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Please join us in voting YES on 2 for better dental benefits!

American Academy of Pediatric Dentistry
American Academy of Periodontology
American Association of Oral and Maxillofacial Surgeons
American Society of Dentist Anesthesiologists
Association of Dental Support Organizations
Academy of General Dentistry
Eastern Dentist Insurance Company
Fenway Health
Heartland Dental
Massachusetts Dental Hygienists' Association
Massachusetts Nurses Association
Massachusetts Senior Care Association
Alaska Dental Association
Alabama Dental Association
Arizona Dental Association
California Dental Association
Colorado Dental Association
Delaware State Dental Society
District of Columbia Dental Society
Florida Dental Association
Hawaii Dental Association
Idaho State Dental Association
Illinois State Dental Society
Indiana Dental Association
Iowa Dental Association
Kansas Dental Association
Louisiana Dental Association
Maine Dental Association
Maryland State Dental Association
Michigan Dental Association
Minnesota Dental Association
Mississippi Dental Association
Missouri Dental Association
Montana Dental Association
Nebraska Dental Association
Nevada Dental Association
New Hampshire Dental Society
New Jersey Dental Association
New Mexico Dental Association
New York State Dental Association
North Dakota Dental Association
Ohio Dental Association
Oklahoma Dental Association
Oregon Dental Association
Pennsylvania Dental Association
Rhode Island Dental Association
South Carolina Dental Association
Tennessee Dental Association
Texas Dental Association
Utah Dental Association
Vermont State Dental Society
Virginia Dental Association
Washington State Dental Association
West Virginia Dental Association
Wisconsin Dental Association

In The News

Press Release

Massachusetts Dental Care Providers for Better Dental Benefits

November 9, 2022

Question 2 Wins a Decisive, Landmark Victory for Better Dental Benefits

Massachusetts becomes first state in the nation to deliver consumer dental protections, more states poised to follow November 8, 2022 – Massachusetts voters overwhelmingly approved ballot Question 2 with 72% of the vote, delivering first-in-the-nation dental insurance reform that will assure patient dollars are spent on patient care, protect consumers from …


Boston Globe

Editorial Board

October 24, 2022

Vote YES on Question 2

Forcing dental insurers to spend more of the premiums they collect on actual patient care would be a step in the right direction.

For many Americans, what makes visiting the dentist so unpleasant has nothing to do with the work that’s done while they’re sitting in the dentist’s chair; it’s the fact that they have to deal with what is far too often inadequate dental insurance, if they even have insurance in the first place.


Worcester Telegram & Gazette

Meredith Bailey and Cesar Sabates

November 6, 2022

Yes on Question 2 for better dental care

Question 2 on the Massachusetts statewide ballot is very simple: 83% of the money dental insurance companies collect from you, the patients, should be spent on dental care, otherwise you get the difference back. That’s why a yes vote on Question 2 is so critical on Nov. 8. Opponents of Question …


Berkshire Eagle

Amanda Berthiaume

October 25, 2022

Why dental hygienists support YES on Question 2

Working as a dental hygienist is a fulfilling career. I have a healthy schedule of patients that I see every three or six months, and I care about every single one of them. In dental hygiene, we’re prevention specialists, and we’re fortunate to be able to spend a lot of time …


Boston Business Journal

Kevin Monteiro

October 26, 2022

Viewpoint: A ‘yes’ on Question 2 will make employers, employees smile

Healthcare is expensive for employers and employees alike. In the upcoming election, voters have a chance to get more value from what they are already paying for dental care and be protected from large increases in premiums by voting yes on Question 2. If Question 2 is approved, 83% of patient …


Berkshire Eagle

Editorial Board

October 21, 2022

Our Opinion: Yes on Question 2

Ballot Question 2 asks voters to create a law regulating dental insurance plans in Massachusetts. A yes vote would require dental insurers to spend at least 83 percent of premiums on member dental expenses and quality improvements, and would also require dental insurance companies to report financial information about their income and expenditures to the Massachusetts Division of Insurance.


Boston Globe

Andrew Smith

October 30, 2022

Vote yes: Premium dollars should go toward care, not insurers’ pockets

Patient dollars should go to patient care, not to the profits of dental insurance companies and their executives. Question 2, the Medical Loss Ratios for Dental Insurance Plans Initiative, would improve the quality of dental care and ensure that at least 83 percent of premium dollars paid to dental insurers …

Press Release

PR Newswire

August 25, 2022

Massachusetts Nurses Association Endorses Ballot Initiative Calling for Dental Insurance Reform (Question 2 on the November Ballot)

Supports consumer protection measure to require dental insurers to invest more resources in direct patient care as opposed to exorbitant CEO salaries and other administrative costs.

The Massachusetts Nurses Association Board of Directors – 27 elected nurses and healthcare professionals representing the largest union and professional association of registered nurses and healthcare professionals in the Commonwealth – has endorsed an important ballot initiative calling for dental insurance reform, which will appear as Question 2 on the November Ballot.

Press Release

Massachusetts Dental Society

June 13, 2022

The Massachusetts Dental Society Endorses Achieving Patient-Centered Dental Insurance Reform

The Massachusetts Dental Society (MDS) Board of Trustees has endorsed achieving its long-sought goal of reforming dental insurance Medical Loss Ratios (MLRs) through the question on track to appear on the statewide ballot in November. The referendum will ensure MLRs apply to dental plans in the same way they currently apply to medical plans. This ballot initiative would make dental providers more transparent and accountable to the patients they serve.

Massachusetts law establishes an 88% medical loss ratio for medical insurance plans. Nationally, the Affordable Care Act requires medical insurance plans to minimally operate at an 85% MLR for larger carriers and 80% MLR for smaller providers. However, there is currently no medical loss ratio for dental insurers.