Volume 6, No. 6 - June 2017

In The Know

- Keeping you informed is what it's all about

2017 Legislative Update

Some of the laws that affect applicants and licensees of the Department were changed during the 2017 legislative session. All laws shown are effective July 1, 2017 unless otherwise noted.

Department of Financial Services

A Review Under the Open Government Sunset Review Act, Title Agencies and Insurers, HB 7067

Title insurers and title insurance agencies are required to submit to the Office of Insurance Regulation (OIR), by May 31 of each year, data identified by OIR as necessary to assist in the analysis of premium rates, title search costs, and the condition of Florida’s title insurance industry. The bill revises the definition of term "proprietary business information" as used in exemption from public record requirements relating to information provided by title insurance agencies and insurers to OIR; removes scheduled repeal of exemption that would have repealed this exemption on October 2, 2017. Chapter No. 2017-34, Laws of Florida

Bail Bonds, HB 361

Revising legislative intent concerning obligations of bail bond agent; revises commitments & obligations of bail bond agent; revises circumstances that constitute breach by bail bond agent & under which surety bond deposited as bail must be forfeited; revises circumstances that require forfeiture to be discharged; specifies that certain provisions concerning cancellation of bond do not apply if bond is forfeited within specified period; provides that original appearance bond does not guarantee placement in court-ordered program. Chapter No. 2017-168, Laws of Florida

Condominiums, HB 1237

Revises and provides requirements relating to condominiums, including kickbacks, association documents, attorney representation, record keeping requirements, purchasing of units at foreclosure sale, financial statements, powers and duties of Division of Florida Condominiums, Timeshares, & Mobile Homes, board membership, management services, conflicts of interest, arbitration, member voting rights, & reporting requirements; provides criminal penalties.
Chapter No. 2017-188, Laws of Florida

Department of Financial Services, HB 925

Replaces, within the Division of Treasury, the Treasury Investment Committee with the Treasury Investment Council; requiring the department to adopt amendments and interpretations of a specified code into the State Boiler Code; provides an exception from an examination requirement for nonresident all-lines adjuster license applicants who hold certain certifications; authorizes certain insurer employees to adjust specified claim losses or damage, etc.
Chapter No. 2017-175, Laws of Florida

Discount Plan Organizations, HB 577

This legislation renames a “Discount Medical Plan” and a “Discount Medical Plan Organization” as a “Discount Plan” and a “Discount Plan Organization” (DPO), and makes extensive conforming changes to part II of Chapter 636, F.S., to reflect the new names. The bill clarifies the definition of a “Discount Plan” to exclude any plan that does not charge a fee to members. The bill removes all rate and form filing and approval requirements for DPOs. To increase flexibility in marketing and reduce administrative barriers for DPOs, the bill:
· Defines “first page”, upon which certain disclosures must appear, to mean the first page of any marketing material that first includes information describing benefits;
· Allows DPOs to delegate functions to marketers and binds DPOs to the actions of those marketers within the scope of the delegation; and
· Allows marketers and DPOs to commingle certain information on forms, advertisements, marketing materials, or brochures.

To maintain consumer protections for members and potential members of Discount Plans, the bill:
· Changes the disclosure requirements by requiring acknowledgement and acceptance of the disclosures before enrollment and creating visibility and follow up requirements for disclosures made by electronic means or telephone;
· Establishes new cancellation and reimbursement requirements for DPOs to disallow any charges beyond the effective cancellation date;
· Requires pro rata reimbursement of charges paid by a member for the months beyond the effective cancellation date; and
· Requires pro rata reimbursement for members who cancel during an open enrollment period, upon return of his or her discount card. Effective June 14, 2017. Chapter No. 2017-112, Laws of Florida

Estoppel Certificates, HB 398

Revises requirements relating to the issuance of an estoppel certificate to specified persons; requiring a condominium, cooperative, or homeowners’ association to designate a street or e-mail address on its website for estoppel certificate requests; prohibiting an association from charging a preparation and delivery fee or making certain claims if it fails to deliver an estoppel certificate within certain time frames, etc. Limits the amount that may be charged for estoppel certificates to $250 for owners who are current on their assessments.  The fee for owners who are not current is a maximum of $400. The bill also allows an additional charge of $100 if the estoppel certificate is to be delivered within three days. Chapter No. 2017-93, Laws of Florida

Flood Insurance, HB 813

The National Flood Insurance Program (NFIP) is a federal program that offers subsidized flood insurance to property owners and promotes land-use controls in floodplains. Anticipating substantial rate increases in the NFIP, the Legislature created s. 627.715, F.S., in 2014 to provide a framework for a private, personal lines flood insurance market in Florida. This law does not apply to excess flood insurance or commercial lines flood insurance.

The Florida Commission on Hurricane Loss Projection Methodology (Commission) is required to adopt actuarial methods, principles, standards, models, or output ranges for personal lines residential flood loss and is required to revise these adoptions each odd-numbered year.

The bill makes the following changes regarding flood insurance:
· Moves the expiration of an exception to ratemaking requirements that allows flood insurers to make informational rate filings, rather than “use and file” or “file and use” ratemaking, from October 1, 2019, to October 1, 2025;
· Extends the exemption from the statutory due diligence requirement (i.e., obtaining coverage declinations from three admitted flood insurers) when exporting flood insurance to surplus lines insurers from July 1, 2017, to July 1, 2019, and provides the exemption ends earlier in certain circumstances;
· Upon expiration of the exemption, provides for an exception related to the statutory due diligence requirement if there are less than three admitted flood insurers so that policies can be exported to surplus lines insurers when all admitted insurers decline coverage;
· Reduces obligations on an insurance agent when placing a flood insurance policy with a surplus lines insurer by requiring the agent to provide a specified written notice to the applicant for signature noting the possible impact of leaving the National Flood Insurance Program, rather than requiring the agent to obtain a signed acknowledgement of the possible impact before placing the policy, as currently required;
· Eliminates an exclusion that held that regulation under Florida’s flood insurance statute did not apply to excess flood insurance and allows excess flood insurers to make information rate filings and gives them relief from due diligence requirements;
· Changes the frequency of Florida Commission on Hurricane Loss Projection Methodology adoptions of flood loss projection guidelines from every odd-numbered year to at least once every four years; and
· Corrects a technical error regarding issuance of flexible flood insurance coverage.
Chapter No. 2017-142, Laws of Florida

Florida Life and Health Insurance Guaranty Association, HB 307

Florida operates five insurance guaranty funds and associations to ensure policyholders’ paid insurance premiums are protected and outstanding claims are settled, up to limits provided by law, if their insurer is liquidated. The bill makes changes to one of the five guaranty funds and associations – the Florida Life and Health Insurance Guaranty Association (FLAHIGA), which is the guaranty association for most health and life insurers.

If an insurance company is liquidated, the maximum amount paid by the FLAHIGA for any one person is:

· Life Insurance Death Benefit: $300,000 per insured life.
· Life Insurance Cash Surrender: $100,000 per insured life.
· Health Insurance Claims: $300,000 per insured life.
· Annuity Cash Surrender: $250,000 for deferred annuity contracts per contract owner.
· Annuity in Benefit: $300,000 per contract owner.

The bill expands the FLAHIGA’s scope of coverage to include annuities that are part of an individual retirement account and individual retirement annuities. Effective January 1, 2020, the cap on benefits paid by the FLAHIGA for any one person for specified hospital and medical insurance increases from $300,000 to $500,000.
Chapter No. 2017-131, Laws of Florida

Insurance Adjusters, HB 911

Current law provides for five adjuster licenses: public adjuster, all-lines adjuster, temporary license (all-lines adjuster), public adjuster apprentice, and catastrophe or emergency adjuster. A licensed all-lines adjuster may be appointed as an independent adjuster, or company employee adjuster. An “all-lines adjuster” is defined as a person who acts on behalf of an insurer to determine the amount of and settle a claim.

The bill eliminates the public adjuster apprentice license and changes the pre-licensing requirement for a public adjuster to obtaining a license as an all-lines adjuster and appointment as a public adjuster apprentice. The bill revises the requirements for public adjusters to:
· Expressly prohibit unlicensed public adjusting that is done directly or indirectly;
· Delete a provision of law related to contacting policyholders which was held unconstitutional by the Florida Supreme Court;
· Exclude deductibles from the calculation of an adjuster’s fee; and
· Reduces the time a public adjuster apprentice must be supervised before becoming eligible for licensure as a public adjuster.

In addition, the bill made numerous changes to Part I, Chapter 626, F.S., and other statutes applicable to adjusters to improve the efficiency of licensure and enforcement.
Effective Date: January 1, 2018. Chapter No. 2017-147, Laws of Florida

Insurance Policy Transfers, HB 805

Authorizes insurer to transfer personal lines residential, commercial residential, or commercial lines property insurance policy to another authorized insurer that is a member of the same group or owned by the same holding company as the transferring insurer upon expiration of the policy term if specified conditions are met. The transfer constitutes a renewal of the policy and may not be treated as a cancellation or a nonrenewal of the policy. The insurer must provide notice of its intent to transfer the policy at least 45 days before the effective date of the transfer along with the financial rating of the authorized insurer to which the policy is being transferred.
Chapter No. 2017-19, Laws of Florida

Insurer Insolvency, HB 837

The bill amends various provisions of Part I, Chapter 631, F.S., governing insurer rehabilitation and liquidation in Florida. Many of the revisions are based upon portions of the National Association of Insurance Commissioners (NAIC) Insurer Receivership Model Act (IRMA).

Among its many provisions, the bill:

· Extends reciprocity in the administration of receiverships to states that have adopted the IRMA.
· Revises the requirements related to delinquency proceedings to update the list of guaranty associations that must receive notice of hearings; clarifies the court’s jurisdiction over assets of the insurer; provides a conflict of laws provision; establishes time frames for initiating proceedings; clarifies that the automatic stay during the pendency of the proceeding does not apply to the Office of Insurance Regulation; specifies contracts that may be assumed or rejected by the Department of Financial Services (DFS) and its authority for paying expenses; clarifies the authority of the insurer’s management subsequent to a liquidation; and specifies what defenses may be raised against the DFS and the form of required evidence to assert a defense.
· Revises claim filing procedures to allow the court to approve alternatives and to allow the court to establish a filing deadline.
· Disallows claims for post judgment interest.
· Revises the priority of claims to add claims for expenses incurred during administrative supervision and for medical providers, and revises the methodology for calculating interest allowed on claims.
· Revises the procedures applicable to early access distributions to guaranty funds.
· Establishes the process for administering workers’ compensation large deductible policies during an insolvency proceeding. Chapter No. 2017-143, Laws of Florida

Motor Vehicle Service Agreement Companies, HB 339

Revises qualifications for motor vehicle service agreement company to obtain & maintain license; allows certain entities to cancel service agreements in certain circumstances; provides such cancellations are only valid if authorized.
Allows companies to secure coverage through a risk retention group authorized under s. 627.943 or s. 627.944, F.S.
Cancellations initiated by lenders, creditors, or finance companies are only valid if authorized by the terms of the service agreement. Chapter No. 2017-99, Laws of Florida

Notary Commission, HB 401

Expands the list of forms of identification that a notary public may rely on in notarizing a signature on a document to include a veteran health identification card. Chapter No. 2017-17.

OGSR/Reports of Unclaimed Property, HB 7045

The Open Government Sunset Review Act requires the Legislature to review each public record and each public meeting exemption five years after enactment. If the Legislature does not reenact the exemption, it automatically repeals on October 2nd of the fifth year after enactment.

Unclaimed property consists of any funds or other property, tangible or intangible, which has remained unclaimed by the owner for more than five years after the property becomes payable or distributable. Holders of inactive accounts (presumed unclaimed property) are required to use due diligence to locate apparent owners. Once the allowable time period for holding unclaimed property has expired, a holder is required to file a report with the Department of Financial Services by May 1 for all property valued at $50 or more and presumed unclaimed for the preceding calendar year. The report must contain the name and social security number or federal employer identification number, if known, and the last known address of the apparent owner.

Current law provides a public record exemption for social security numbers and property identifiers contained in reports of unclaimed property held by the Department of Financial Services.

The bill reenacts the public record exemption, which will repeal on October 2, 2017. Effective Date: October 1, 2017. Chapter No. 2017-34, Laws of Florida

Prohibited Insurance Acts, HB1007

The bill made changes to s. 626.9891, F.S. including;

·By December 31, 2017:

- Requires every insurer to designate at least one primary anti-fraud employee for certain purposes.
- Requires insurers to adopt an anti-fraud plan by December 31, 2017.

·Revises the procedures applicable to early access distributions to guaranty funds.
·Requires the Division of Investigative and Forensic Services of the department to create, by a specified date, a report detailing best practices for the detection, investigation, prevention, and reporting of insurance fraud and other fraudulent insurance acts.
·Revises the procedures applicable to early access distributions to guaranty funds.·Requires every insurer to designate at least one primary anti-fraud employee for certain purposes.
·Requires insurers to adopt an anti-fraud plans.
·Revises the procedures applicable to early access distributions to guaranty funds.

By March 1, 2019:

- Each insurer is required to report data related to fraud for each identified line of business written by the insurer during the prior calendar year. The data shall be reported to the department by March 1, 2019, and annually thereafter, and must include, at a minimum:
The number of policies in effect; The amount of premiums written for policies; The number of claims received; The number of claims referred to the anti-fraud investigative unit; The number of other insurance fraud matters referred to the antifraud investigative unit that were not claim related; The number of claims investigated or accepted by the anti-fraud investigative unit; (g) The number of other insurance fraud matters investigated or accepted by the anti-fraud investigative unit that were not claim related; The number of cases referred to the Division of Investigative and
Forensic Services; The number of cases referred to other law enforcement agencies; The number of cases referred to other entities; and the estimated dollar amount or range of damages on cases referred to the Division of Investigative and Forensic Services or other agencies along with other information described in s. 626.9891, F.S.
Effective Date: June 27, 2017. Chapter 2017-178, Laws of Florida

Public Housing Authority Insurance, HB 421

The Legislature has authorized the creation and operation of public housing authorities due to a shortage of safe or sanitary dwelling accommodations available at rents that low income persons can afford. To provide such accommodations, public housing authorities may acquire property to be used for, or in connection with, housing projects. Among other powers, public housing authorities are authorized to organize and create for-profit corporations, not-for-profit corporations, limited liability companies, and other similar business entities in order to acquire, lease, construct, rehabilitate, manage, or operate multifamily or single-family residential projects.

As an alternative to obtaining insurance from a licensed insurance company, state law allows certain persons to form a self-insurance fund. Public housing authority self-insurance funds are among the types of self-insurance funds specifically authorized by state law.

The bill authorizes a for-profit corporation, not-for-profit corporation, limited liability company, or other similar business entity that a public housing authority owns, in whole or in part, or participates in the governance thereof to join the same self-insurance fund as the authority that owns or governs them. When such entities join a public housing authority self-insurance fund, they may only self-insure their public housing risks. The bill also authorizes these entities when self-insured to purchase reinsurance, as if they were an insurer, in the same manner as self-insured public housing authorities. Public housing authorities, and the entities that are permitted to join them in self-insurance funds, may only purchase reinsurance if they are participating in a self-insurance fund.
Effective June 15, 2017; Chapter No. 2017-104, Laws of Florida

Public Records/Victim of Alleged Sexual Harassment/Identifying Information, HB 397

The bill amends s. 119.071, F.S., to provide that personal identifying information of the alleged victim in an allegation of sexual harassment is confidential and exempt from public record requirements. The bill specifies that such information may be disclosed to another governmental entity in the furtherance of its official duties and responsibilities.

The bill provides for repeal of the exemption on October 2, 2022, unless reviewed and saved from repeal through reenactment by the Legislature. Effective Date: June 14, 2017. Chapter No. 2017-103, Laws of Florida

Public Records/Workers' Compensation, HB 1107

Provides an exemption from public records requirements for the personal identifying information of an injured or deceased employee which is contained in reports, notices, records, or supporting documentation held by the Department of Financial Services pursuant to the Workers' Compensation Law; providing a criminal penalty for willful and knowing disclosure of such information to an unauthorized person or entity; providing for future review and repeal of the exemption; providing a statement of public necessity, etc.
Effective Date: June 26, 2017. Chapter 2017-178, Laws of Florida

Regulation of Insurance Companies, HB 359

The bill makes the following changes regarding insurance:

· Property Title Searches – Adds a provision that renames and expands "ownership and encumbrance reports" (title searches) as "property information reports"; limits the liability of those that prepare property information reports to only the cost of the report, rather than other contractual or negligence remedies; and eliminates form approval by the Office of Insurance Regulation;
· Florida Hurricane Catastrophe Fund (FHCF) Emergency Assessments – Makes permanent the exemption from FHCF emergency assessments for medical malpractice insurance that was set to expire on May 31, 2019;
· Property Insurer Surplus Requirements – Changes the minimum required surplus to $10 million for a new or current residential property insurer writing renter's insurance, tenant's coverage, or cooperative unit owner insurance to obtain or maintain a certificate of authority to transact insurance in Florida (the current surplus requirement for residential property insurers varies from $5 million to $50 million depending on the insurer's domicile location and whether they are a new or current insurer);
· Insurer Audit Committees – Removes the word "solely" from the provision requiring an insurer's board of directors audit committee to be solely made up of independent members;
· Florida Workers’ Compensation Insurance Guaranty Association Assessments (FWCIGA) – Allows receivables related to FWCIGA assessment recoupment surcharges to be treated as assets;
· Medical Malpractice Rate Filing – Removes the requirement that medical malpractice insurers submit an annual base rate filing, regardless of whether the insurer is proposing a rate change, and permits them to file a certification in lieu of a rate filing when no rate change is proposed;
· Payments for Premium and Insufficient Funds Fee – Adds payments by “draft” or “electronic check” to the list of acceptable insurance premium payment methods and authorizes most insurers to charge $15, pursuant to policy terms, if an electronic premium payment fails due to insufficient funds (this is in addition to any fees charged by their financial provider) and adds a prohibition on such fees if non-policyholder related fraud or misuse of the policyholder’s account caused the failure of payment; and
· Compliance of Electronic Documents with Insurance Code Requirements – Provides that electronic documents will satisfy certain standards applicable to paper documents if the elements have reasonably similar proportions or emphasis in their electronic format and context or are displayed in a reasonably conspicuous manner.
Chapter No. 2017-132, Laws of Florida

Transportation Network Companies, HB 221

The bill provides a regulatory framework for transportation network companies (TNCs) in the state and it preempts to the state the regulation of TNCs. The bill:

· Defines terms.
· Provides minimum insurance requirements for TNCs and TNC drivers and provides for certain TNC and insurer disclosures and exclusions. Beginning July 1, 2017, a TNC driver or a TNC on behalf of the TNC driver shall maintain primary automobile insurance that:

Covers the TNC driver while the TNC driver is logged on to the digital network of the TNC or while the TNC driver is engaged in a prearranged ride. The following automobile insurance requirements apply while a participating TNC driver is logged on to the digital network but is not engaged in a prearranged ride:
- A primary automobile liability coverage of at least $50,000 for death and bodily injury per person, $100,000 for death and bodily injury per incident, and $25,000 for property damage;
-Personal injury protection benefits that meet the minimum coverage amounts required under ss. 627.730-627.7405, F.S. and
-Uninsured and underinsured vehicle coverage as required by s. 627.727, F.S.
The coverage requirements of this paragraph may be satisfied by any of the following:
- Automobile insurance maintained by the TNC driver;
- Automobile insurance maintained by the TNC; or
- A combination of automobile insurance maintained by either the TNC driver or the TNC itself.

The following automobile insurance requirements apply while a TNC driver is engaged in a prearranged ride:
- A primary automobile liability coverage of at least $1 million for death, bodily injury, and property damage; personal injury protection benefits that meet the minimum coverage amounts required of a limousine under ss. 627.730-627.7405, F.S., and uninsured and underinsured vehicle coverage as required by s. 627.727, F.S.
The coverage requirements of this paragraph may be satisfied by any of the following:
- Automobile insurance maintained by the TNC driver;
- Automobile insurance maintained by the TNC; or
- A combination of automobile insurance maintained by either the TNC driver or the TNC itself.

If the TNC driver’s insurance has lapsed or does not provide the required coverage, the insurance maintained by the TNC must provide the coverage required under this subsection, beginning with the first dollar of a claim, and have the duty to defend such claim.

Coverage under an automobile insurance policy maintained by the TNC must not be dependent on a personal automobile insurer first denying a claim, and a personal automobile insurance policy is not required to first
deny a claim.

Insurance required under this subsection must be provided by an insurer authorized to do business in this state which is a member of the Florida Insurance Guaranty Association or an eligible surplus lines insurer that has a superior, excellent, exceptional, or equivalent financial strength rating by a rating agency acceptable to the Office of Insurance Regulation.

Insurance satisfying the requirements is deemed to satisfy the financial responsibility requirement for a motor vehicle under chapter 324 and the security required under s. 627.733, F.S. for any period when the TNC driver is logged onto the digital network or engaged in a prearranged ride.

·Requires a TNC driver to carry proof of coverage satisfying the insurance requirements at all times during his or her use of a TNC vehicle in connection with a digital network. In the event of an accident, a TNC driver shall provide this insurance coverage information to any party directly involved in the accident, automobile insurers, and investigating police officers. Proof of financial responsibility may be presented through an electronic device, such as a digital phone application, under s. 316.646, F.S. Upon request, a TNC driver shall also disclose to any party directly involved in the accident, automobile insurers, and investigating police officers whether he or she was logged on to a digital network or was engaged in a prearranged ride at the time of the accident.

·If a TNC’s insurer makes a payment for a claim covered under comprehensive coverage or collision coverage, the TNC shall cause its insurer to issue the payment directly to the business repairing the vehicle or jointly to the owner of the vehicle and the primary lienholder on the covered vehicle.

· Before a TNC driver is allowed to accept a request for a prearranged ride on the digital network, the TNC must disclose in writing to the TNC driver:
- The insurance coverage, including the types of coverage and the limits for each coverage, which the TNC provides while the TNC driver uses a TNC vehicle in connection with the TNC’s digital network.
- That the TNC driver’s own automobile insurance policy might not provide any coverage while the TNC driver is logged on to the digital network or is engaged in a prearranged ride, depending on the terms of the TNC driver’s own automobile insurance policy.
- That the provision of rides for compensation which are not prearranged rides subjects the driver to the coverage requirements imposed under s. 324.032(1), F.S. and that failure to meet such coverage requirements subjects the TNC driver to penalties provided in s. 324.0221, F.S. up to and including a misdemeanor of the second degree.

· An insurer that provides an automobile liability insurance policy under Chapter 627, Part XI F.S. may exclude any and all coverage afforded under the policy issued to an owner or operator of a TNC vehicle while driving that vehicle for any loss or injury that occurs while a TNC driver is logged on to a digital network or while a TNC driver provides a prearranged ride. Exclusions imposed under this subsection are limited to coverage while a TNC driver is logged on to a digital network or while a TNC driver provides a prearranged ride. This right to exclude all coverage may apply to any coverage included in an automobile insurance policy, including, but not limited to:
- Liability coverage for bodily injury and property damage; Uninsured and underinsured motorist coverage; c. Medical payments coverage; Comprehensive physical damage coverage; e. Collision physical damage coverage; and Personal injury protection.
-The exclusions described apply notwithstanding any requirement under Chapter 324, F.S. These exclusions do not affect or diminish coverage otherwise available for permissive drivers or resident relatives under the personal automobile insurance policy of the TNC driver or owner of the TNC vehicle who are not occupying the TNC vehicle at the time of loss.
- This section does not require that a personal automobile insurance policy provide coverage while the TNC driver is logged on to a digital network, while the TNC driver is engaged in a prearranged ride, or while the TNC driver otherwise uses a vehicle to transport riders for compensation.
- This section must not be construed to require an insurer to use any particular policy language or reference to this section in order to exclude any and all coverage for any loss or injury that occurs while a TNC driver is
logged on to a digital network or while a TNC driver provides a prearranged ride.
- This section does not preclude an insurer from providing primary or excess coverage for the TNC driver’s vehicle by contract or endorsement.

· Provides that TNC drivers are independent contractors if certain conditions are met.
· Requires TNCs to implement a zero tolerance policy regarding drug and alcohol use.
· Establishes certain TNC driver requirements and prohibits persons from being a TNC driver if they have been convicted of certain crimes or a certain number of moving violations.
· Requires TNCs to submit to the Department of Financial Services an independent examination report and establishes penalties for noncompliance.
· Prohibits TNC drivers from accepting rides for compensation outside of the TNC’s digital network and from soliciting or accepting street hails.
· Requires TNCs to adopt and TNC drivers to comply with policies related to nondiscrimination and disability access.
· Requires TNCs to maintain certain records relating to riders and TNC drivers.
· Authorizes airports and seaports to charge TNCs reasonable pickup fees consistent with what is charged for taxicabs. Chapter No. 2017-12, Laws of Florida

Florida Office of Insurance Regulation Releases PPACA-compliant
Rate Filings for 2018

Rate filings for the 2018 individual and small group markets submitted to the Office as of June 21, 2017 can be viewed at this link. 

The Florida Statutes Now Available Online

The most current Florida Statutes can now be viewed at Online Sunshine - Title XXXVII Insurance.