Bill > S0834

This bill amends existing Florida law to clarify the conditions under which a nonprofit religious organization is exempt from the Florida Insurance Code, which is the set of laws governing insurance in the state. Specifically, it removes a provision that prohibited these organizations from marketing or selling health plans through licensed agents, and instead requires that if an agent licensed under chapter 626 (which governs insurance agents) markets or facilitates a health care sharing arrangement on behalf of the nonprofit religious organization, both the organization and the agent must provide a specific written disclaimer on all applications and guideline materials. This disclaimer must clearly state that the organization is not an insurance company, its offerings are not insurance policies, and participants are not legally compelled to contribute to others' medical bills, meaning individuals are always personally responsible for their own medical expenses. The bill also mandates that the nonprofit religious organization conduct an annual audit by an independent certified public accounting firm and make it publicly available. This act is set to take effect on July 1, 2026.

Justice

Banking and Insurance (Senate), Rules (Senate)

https://www.flsenate.gov/Session/Bill/2026/834