Florida 2024 Regular Session

Florida House Bill H1233 Compare Versions

Only one version of the bill is available at this time.
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1010 F L O R I D A H O U S E O F R E P R E S E N T A T I V E S
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1414 A bill to be entitled 1
1515 An act relating to biological sex; amending s. 1.01, 2
1616 F.S.; defining terms relating to the sex of an 3
1717 individual in the context of the construction of the 4
1818 Florida Statutes; amending s. 103.091, F.S.; providing 5
1919 that a certain birth certificate statement deter mines 6
2020 whether a person is male or female and may serve as a 7
2121 committeeman or committeewoman, respectively; amending 8
2222 ss. 322.051, 322.08, and 322.14, F.S.; revising 9
2323 provisions related to applications for disability 10
2424 identification cards, application requireme nts for 11
2525 driver licenses and identification cards, and 12
2626 requirements for issued driver licenses, respectively, 13
2727 to replace references to the term "gender" with the 14
2828 term "sex"; creating s. 322.195, F.S.; prohibiting the 15
2929 department from issuing original or repl acement driver 16
3030 licenses or identification cards that contain 17
3131 specified information; requiring the department to 18
3232 require applicants to sign an affidavit certifying 19
3333 specified information submitted on the application for 20
3434 a new or replacement driver license or identification 21
3535 card; requiring the department to revoke a driver 22
3636 license or identification card if it determines that 23
3737 an applicant made a false attestation; creating s. 24
3838 627.6411, F.S., and amending ss. 627.657, 627.6699, 25
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4747 F L O R I D A H O U S E O F R E P R E S E N T A T I V E S
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5151 and 641.31, F.S.; requiring that i ndividual health 26
5252 insurance policies, group health insurance policies, 27
5353 health benefit plans, and health maintenance 28
5454 contracts, respectively, providing coverage for sex -29
5555 reassignment prescriptions or procedures must also 30
5656 provide coverage for treatment to detr ansition from 31
5757 such sex-reassignment prescriptions or procedures; 32
5858 defining the term "detransition"; requiring health 33
5959 insurers, insurance carriers, and health maintenance 34
6060 organizations providing coverage of sex -reassignment 35
6161 prescriptions or procedures to als o offer policies, 36
6262 plans, and contracts, as applicable, that do not 37
6363 provide such coverage; providing that policies, plans, 38
6464 and contracts may not prohibit coverage of certain 39
6565 mental health and therapeutic services; amending s. 40
6666 760.02, F.S.; defining the term "sex" for purposes of 41
6767 the Florida Civil Rights Act of 1992; amending s. 42
6868 760.07, F.S.; revising provisions related to remedies 43
6969 for unlawful discrimination to include protection on 44
7070 the basis of sex, rather than gender; creating s. 45
7171 760.09, F.S.; defining ter ms and providing 46
7272 construction for the application of specified 47
7373 provisions; specifying the standard of scrutiny for 48
7474 specified provisions; providing construction; 49
7575 requiring certain governmental entities to identify 50
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8484 F L O R I D A H O U S E O F R E P R E S E N T A T I V E S
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8888 specified information for data -gathering purposes; 51
8989 amending ss. 760.60 and 760.80, F.S.; revising 52
9090 provisions related to discriminatory practices of 53
9191 certain clubs and minority representation on boards, 54
9292 commissions, councils, and committees, respectively, 55
9393 to replace references to the term "gender" wi th the 56
9494 term "sex"; amending s. 627.6475, F.S.; conforming 57
9595 cross-references; providing severability; providing an 58
9696 effective date. 59
9797 60
9898 Be It Enacted by the Legislature of the State of Florida: 61
9999 62
100100 Section 1. Subsection (20) is added to section 1.01, 63
101101 Florida Statutes, to read: 64
102102 1.01 Definitions.—In construing these statutes and each 65
103103 and every word, phrase, or part hereof, where the context will 66
104104 permit: 67
105105 (20) Notwithstanding any state law to the contrary, with 68
106106 respect to the identification of a person's sex in the 69
107107 application of any state law or rules or regulations, the 70
108108 following terms have the following meanings: 71
109109 (a) "Sex" means the classification of a human person as 72
110110 either male or female based on the organization of the body of 73
111111 such person for a specif ic reproductive role, as indicated by 74
112112 the person's sex chromosomes, naturally occurring sex hormones, 75
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121121 F L O R I D A H O U S E O F R E P R E S E N T A T I V E S
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125125 and internal and external genitalia present at birth. All 76
126126 references to the term "gender" in these statutes must be deemed 77
127127 to refer solely to sex as defin ed in this section, unless a 78
128128 different meaning is plainly required by context to qualify, 79
129129 limit, or define a specific word or phrase. 80
130130 (b) "Female" means a person belonging, at birth, to the 81
131131 biological sex that has the specific reproductive role of 82
132132 producing ova. 83
133133 (c) "Male" means a person belonging, at birth, to the 84
134134 biological sex that has the specific reproductive role of 85
135135 producing sperm. 86
136136 (d) "Woman" and "girl" refer to human females, and the 87
137137 terms "man" and "boy" refer to human males. 88
138138 (e) "Mother" means a female parent, and the term "father" 89
139139 means a male parent. 90
140140 (f) "Equal," with respect to sex, does not mean "same" or 91
141141 "identical." 92
142142 Section 2. Subsection (9) is added to section 103.091, 93
143143 Florida Statutes, to read: 94
144144 103.091 Political parties. — 95
145145 (9) For purposes of this section, the statement of 96
146146 biological sex on a person's official birth certificate filed at 97
147147 or near the time of the person's birth determines whether the 98
148148 person is male or female and may serve as a committeeman or 99
149149 committeewoman, respectively. 100
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158158 F L O R I D A H O U S E O F R E P R E S E N T A T I V E S
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162162 Section 3. Paragraph (a) of subsection (1) of section 101
163163 322.051, Florida Statutes, is amended to read: 102
164164 322.051 Identification cards. — 103
165165 (1) Any person who is 5 years of age or older, or any 104
166166 person who has a disability, regardless of age, who applies for 105
167167 a disabled parking permit under s. 320.0848, may be issued an 106
168168 identification card by the department upon completion of an 107
169169 application and payment of an application fee. 108
170170 (a) The application must include the following information 109
171171 regarding the applicant: 110
172172 1. Full name (first, middle or maiden, and last), sex 111
173173 gender, proof of social security card number satisfactory to the 112
174174 department, which may include a military identification card, 113
175175 county of residence, mailing address, proof of residential 114
176176 address satisfactory to the department, country of birth, and a 115
177177 brief description. 116
178178 2. Proof of birth date satisfactory to the department. 117
179179 3. Proof of identity satisfactory to the department. Such 118
180180 proof must include one of the following documents issue d to the 119
181181 applicant: 120
182182 a. A driver license record or identification card record 121
183183 from another jurisdiction that required the applicant to submit 122
184184 a document for identification which is substantially similar to 123
185185 a document required under sub -subparagraph b., sub-subparagraph 124
186186 c., sub-subparagraph d., sub -subparagraph e., sub -subparagraph 125
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195195 F L O R I D A H O U S E O F R E P R E S E N T A T I V E S
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199199 f., sub-subparagraph g., or sub -subparagraph h.; 126
200200 b. A certified copy of a United States birth certificate; 127
201201 c. A valid, unexpired United States passport; 128
202202 d. A naturalization certificate issued by the United 129
203203 States Department of Homeland Security; 130
204204 e. A valid, unexpired alien registration receipt card 131
205205 (green card); 132
206206 f. A Consular Report of Birth Abroad provided by the 133
207207 United States Department of State; 134
208208 g. An unexpired empl oyment authorization card issued by 135
209209 the United States Department of Homeland Security; or 136
210210 h. Proof of nonimmigrant classification provided by the 137
211211 United States Department of Homeland Security, for an original 138
212212 identification card. In order to prove nonimm igrant 139
213213 classification, an applicant must provide at least one of the 140
214214 following documents. In addition, the department may require 141
215215 applicants to produce United States Department of Homeland 142
216216 Security documents for the sole purpose of establishing the 143
217217 maintenance of, or efforts to maintain, continuous lawful 144
218218 presence: 145
219219 (I) A notice of hearing from an immigration court 146
220220 scheduling a hearing on any proceeding. 147
221221 (II) A notice from the Board of Immigration Appeals 148
222222 acknowledging pendency of an appeal. 149
223223 (III) A notice of the approval of an application for 150
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232232 F L O R I D A H O U S E O F R E P R E S E N T A T I V E S
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236236 adjustment of status issued by the United States Citizenship and 151
237237 Immigration Services. 152
238238 (IV) An official documentation confirming the filing of a 153
239239 petition for asylum or refugee status or any other relief issued 154
240240 by the United States Citizenship and Immigration Services. 155
241241 (V) A notice of action transferring any pending matter 156
242242 from another jurisdiction to Florida, issued by the United 157
243243 States Citizenship and Immigration Services. 158
244244 (VI) An order of an immigration jud ge or immigration 159
245245 officer granting relief that authorizes the alien to live and 160
246246 work in the United States, including, but not limited to, 161
247247 asylum. 162
248248 (VII) Evidence that an application is pending for 163
249249 adjustment of status to that of an alien lawfully admitted for 164
250250 permanent residence in the United States or conditional 165
251251 permanent resident status in the United States, if a visa number 166
252252 is available having a current priority date for processing by 167
253253 the United States Citizenship and Immigration Services. 168
254254 (VIII) On or after January 1, 2010, an unexpired foreign 169
255255 passport with an unexpired United States Visa affixed, 170
256256 accompanied by an approved I -94, documenting the most recent 171
257257 admittance into the United States. 172
258258 173
259259 An identification card issued based on documents required in 174
260260 sub-subparagraph g. or sub -subparagraph h. is valid for a period 175
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269269 F L O R I D A H O U S E O F R E P R E S E N T A T I V E S
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273273 not to exceed the expiration date of the document presented or 1 176
274274 year, whichever occurs first. 177
275275 Section 4. Paragraph (a) of subsection (2) of section 178
276276 322.08, Florida Statutes, is amend ed to read: 179
277277 322.08 Application for license; requirements for license 180
278278 and identification card forms. — 181
279279 (2) Each such application shall include the following 182
280280 information regarding the applicant: 183
281281 (a) Full name (first, middle or maiden, and last), sex 184
282282 gender, proof of social security card number satisfactory to the 185
283283 department, which may include a military identification card, 186
284284 county of residence, mailing address, proof of residential 187
285285 address satisfactory to the department, country of birth, and a 188
286286 brief description. 189
287287 Section 5. Paragraph (a) of subsection (1) of section 190
288288 322.14, Florida Statutes, is amended to read: 191
289289 322.14 Licenses issued to drivers. — 192
290290 (1)(a) The department shall, upon successful completion of 193
291291 all required examinations and payment of the required fee, issue 194
292292 to every qualified applicant a printed driver license that must 195
293293 bear a color photograph or digital image of the licensee; the 196
294294 name of the state; a distinguishing number assigned to the 197
295295 licensee, which, beginning November 1, 2023, must have a minimum 198
296296 of four randomly generated digits on each original, renewal, or 199
297297 replacement driver license; and the licensee's full name, date 200
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306306 F L O R I D A H O U S E O F R E P R E S E N T A T I V E S
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310310 of birth, and residence address; a brief description of the 201
311311 licensee, including, but not limited to, the licensee's sex 202
312312 gender and height; and the dates of issuance and expiration of 203
313313 the license. A space must shall be provided upon which the 204
314314 licensee must shall affix his or her usual signature. A license 205
315315 is invalid until it has been signed by the licensee except that 206
316316 the signature of the licensee is not required if it appears 207
317317 thereon in facsimile or if the licensee is not present within 208
318318 this the state at the time of issuance. 209
319319 Section 6. Section 322.195, Florida Statutes, is created 210
320320 to read: 211
321321 322.195 Specification of a person's sex on driver licenses 212
322322 and identification cards. —The department may not issue an 213
323323 original or replacement driver license or identification card 214
324324 that specifies a person's sex as different from that specified 215
325325 on the person's original certificate of live birth. The 216
326326 department must require an applicant to sign an affidavit 217
327327 certifying that the sex specified on the application submitted 218
328328 for a new or replacement driver license or identification card 219
329329 is identical to that specified on the applicant's original 220
330330 certificate of live birth. If the department determines that the 221
331331 applicant made a false attestation, the department must revoke 222
332332 his or her driver license or identification card. 223
333333 Section 7. Section 627.6411, Florida Statutes, is created 224
334334 to read: 225
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343343 F L O R I D A H O U S E O F R E P R E S E N T A T I V E S
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347347 627.6411 Coverage of certain treatment. — 226
348348 (1) Any health insurance policy delivered or issued in 227
349349 this state on or after July 1, 2024, which provides, for an 228
350350 appropriate additional premium, coverage for sex -reassignment 229
351351 prescriptions or procedures as defined in s. 456.001 must also 230
352352 provide coverage for treatment to detransition from such sex -231
353353 reassignment prescriptions or procedures. As used in this 232
354354 subsection, the term "detransition" means to reverse or attempt 233
355355 to reverse the effects of sex -reassignment prescriptions or 234
356356 procedures as defined in s. 456.001. 235
357357 (2) A health insurer that delivers or issues a health 236
358358 insurance policy in this state providing co verage described 237
359359 under subsection (1) must also offer a health insurance policy 238
360360 that does not provide such coverage. 239
361361 (3) Any health insurance policy delivered or issued in 240
362362 this state on or after July 1, 2024, may not prohibit the 241
363363 coverage of mental healt h or therapeutic services to treat a 242
364364 person's perception that his or her sex is inconsistent with the 243
365365 person's sex at birth by affirming the insured's sex as defined 244
366366 in s. 456.001. 245
367367 Section 8. Subsections (4), (5), and (6) are added to 246
368368 section 627.657, Florida Statutes, to read: 247
369369 627.657 Provisions of group health insurance policies. — 248
370370 (4) Any group health insurance policy delivered or issued 249
371371 in this state on or after July 1, 2024, which provides, for an 250
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380380 F L O R I D A H O U S E O F R E P R E S E N T A T I V E S
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384384 appropriate additional premium, coverage for sex -reassignment 251
385385 prescriptions or procedures as defined in s. 456.001 must also 252
386386 provide coverage for treatment to detransition from such sex -253
387387 reassignment prescriptions or procedures. As used in this 254
388388 subsection, the term "detransition" means to reverse or atte mpt 255
389389 to reverse the effects of sex -reassignment prescriptions or 256
390390 procedures as defined in s. 456.001. 257
391391 (5) A group health insurer that delivers or issues a group 258
392392 health insurance policy in this state providing coverage 259
393393 described under subsection (4) must a lso offer a group health 260
394394 insurance policy that does not provide such coverage. 261
395395 (6) Any group health insurance policy delivered or issued 262
396396 in this state on or after July 1, 2024, may not prohibit the 263
397397 coverage of mental health or therapeutic services to tre at a 264
398398 person's perception that his or her sex is inconsistent with the 265
399399 person's sex at birth by affirming the insured's sex as defined 266
400400 in s. 456.001. 267
401401 Section 9. Present subsections (5) through (17) of section 268
402402 627.6699, Florida Statutes, are redesignated as subsections (6) 269
403403 through (18), respectively, a new subsection (5) is added to 270
404404 that section, and paragraphs (a), (n), (p), (q), (s), and (t) of 271
405405 subsection (3), paragraph (b) of present subsection (6), 272
406406 paragraphs (c) and (d) of present subsection (9), and paragraphs 273
407407 (a) through (d) of present subsection (10) are amended, to read: 274
408408 627.6699 Employee Health Care Access Act. — 275
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417417 F L O R I D A H O U S E O F R E P R E S E N T A T I V E S
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421421 (3) DEFINITIONS.—As used in this section, the term: 276
422422 (a) "Actuarial certification" means a written statement, 277
423423 by a member of the Am erican Academy of Actuaries or another 278
424424 person acceptable to the office, that a small employer carrier 279
425425 is in compliance with subsection (7) (6), based upon the 280
426426 person's examination, including a review of the appropriate 281
427427 records and of the actuarial assumpti ons and methods used by the 282
428428 carrier in establishing premium rates for applicable health 283
429429 benefit plans. 284
430430 (n) "Modified community rating" means a method used to 285
431431 develop carrier premiums which spreads financial risk across a 286
432432 large population; allows the use of separate rating factors for 287
433433 age, gender, family composition, tobacco usage, and geographic 288
434434 area as determined under paragraph (6)(f) (5)(f); and allows 289
435435 adjustments for: claims experience, health status, or duration 290
436436 of coverage as permitted under subpara graph (7)(b)5. (6)(b)5.; 291
437437 and administrative and acquisition expenses as permitted under 292
438438 subparagraph (7)(b)5. (6)(b)5. 293
439439 (p) "Plan of operation" means the plan of operation of the 294
440440 program, including articles, bylaws, and operating rules, 295
441441 adopted by the board under subsection (12) (11). 296
442442 (q) "Program" means the Florida Small Employer Carrier 297
443443 Reinsurance Program created unde r subsection (12) (11). 298
444444 (s) "Reinsuring carrier" means a small employer carrier 299
445445 that elects to comply with the requirements set forth in 300
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454454 F L O R I D A H O U S E O F R E P R E S E N T A T I V E S
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458458 subsection (12) (11). 301
459459 (t) "Risk-assuming carrier" means a small employer carrier 302
460460 that elects to comply with the req uirements set forth in 303
461461 subsection (11) (10). 304
462462 (5) REQUIREMENTS FOR CERTAIN COVERAGE. — 305
463463 (a) Any health benefit plan delivered or issued in this 306
464464 state on or after July 1, 2024, which provides, for an 307
465465 appropriate additional premium, coverage for sex -reassignment 308
466466 prescriptions or procedures as defined in s. 456.001 must also 309
467467 provide coverage for treatment to detransition from such sex -310
468468 reassignment prescriptions or procedures. As used in this 311
469469 subsection, the term "detransition" means to reverse or attempt 312
470470 to reverse the effects of sex -reassignment prescriptions or 313
471471 procedures as defined in s. 456.001. 314
472472 (b) A carrier that delivers or issues a health benefit 315
473473 plan in this state providing coverage described under paragraph 316
474474 (a) must also offer a health benefit plan that does not provide 317
475475 such coverage. 318
476476 (c) Any health benefit plan delivered or issued in this 319
477477 state on or after July 1, 2024, may not prohibit the coverage of 320
478478 mental health or therapeutic services to treat a person's 321
479479 perception that his or her sex is inco nsistent with the person's 322
480480 sex at birth by affirming the insured's sex as defined in s. 323
481481 456.001. 324
482482 (7)(6) RESTRICTIONS RELATING TO PREMIUM RATES. — 325
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491491 F L O R I D A H O U S E O F R E P R E S E N T A T I V E S
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495495 (b) For all small employer health benefit plans that are 326
496496 subject to this section and issued by small employer carriers on 327
497497 or after January 1, 1994, premium rates for health benefit plans 328
498498 are subject to the following: 329
499499 1. Small employer carriers must use a modified community 330
500500 rating methodology in which the premium for each small employer 331
501501 is determined solely on the basis of the eligible employee's and 332
502502 eligible dependent's gender, age, family composition, tobacco 333
503503 use, or geographic area as determined under paragraph (6)(f) 334
504504 (5)(f) and in which the premium may be adjusted as permitted by 335
505505 this paragraph. A sma ll employer carrier is not required to use 336
506506 gender as a rating factor for a nongrandfathered health plan. 337
507507 2. Rating factors related to age, gender, family 338
508508 composition, tobacco use, or geographic location may be 339
509509 developed by each carrier to reflect the car rier's experience. 340
510510 The factors used by carriers are subject to office review and 341
511511 approval. 342
512512 3. Small employer carriers may not modify the rate for a 343
513513 small employer for 12 months from the initial issue date or 344
514514 renewal date, unless the composition of the gr oup changes or 345
515515 benefits are changed. However, a small employer carrier may 346
516516 modify the rate one time within the 12 months after the initial 347
517517 issue date for a small employer who enrolls under a previously 348
518518 issued group policy that has a common anniversary date for all 349
519519 employers covered under the policy if: 350
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528528 F L O R I D A H O U S E O F R E P R E S E N T A T I V E S
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532532 a. The carrier discloses to the employer in a clear and 351
533533 conspicuous manner the date of the first renewal and the fact 352
534534 that the premium may increase on or after that date. 353
535535 b. The insurer demonstrates to th e office that 354
536536 efficiencies in administration are achieved and reflected in the 355
537537 rates charged to small employers covered under the policy. 356
538538 4. A carrier may issue a group health insurance policy to 357
539539 a small employer health alliance or other group associatio n with 358
540540 rates that reflect a premium credit for expense savings 359
541541 attributable to administrative activities being performed by the 360
542542 alliance or group association if such expense savings are 361
543543 specifically documented in the insurer's rate filing and are 362
544544 approved by the office. Any such credit may not be based on 363
545545 different morbidity assumptions or on any other factor related 364
546546 to the health status or claims experience of any person covered 365
547547 under the policy. This subparagraph does not exempt an alliance 366
548548 or group association from licensure for activities that require 367
549549 licensure under the insurance code. A carrier issuing a group 368
550550 health insurance policy to a small employer health alliance or 369
551551 other group association shall allow any properly licensed and 370
552552 appointed agent of that carrier to market and sell the small 371
553553 employer health alliance or other group association policy. Such 372
554554 agent shall be paid the usual and customary commission paid to 373
555555 any agent selling the policy. 374
556556 5. Any adjustments in rates for claims experience, hea lth 375
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565565 F L O R I D A H O U S E O F R E P R E S E N T A T I V E S
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569569 status, or duration of coverage may not be charged to individual 376
570570 employees or dependents. For a small employer's policy, such 377
571571 adjustments may not result in a rate for the small employer 378
572572 which deviates more than 15 percent from the carrier's approved 379
573573 rate. Any such adjustment must be applied uniformly to the rates 380
574574 charged for all employees and dependents of the small employer. 381
575575 A small employer carrier may make an adjustment to a small 382
576576 employer's renewal premium, up to 10 percent annually, due to 383
577577 the claims experience, health status, or duration of coverage of 384
578578 the employees or dependents of the small employer. If the 385
579579 aggregate resulting from the application of such adjustment 386
580580 exceeds the premium that would have been charged by application 387
581581 of the approved modified community rate by 4 percent for the 388
582582 current policy term, the carrier shall limit the application of 389
583583 such adjustments only to minus adjustments. For any subsequent 390
584584 policy term, if the total aggregate adjusted premium actually 391
585585 charged does not exceed the premium that would have been charged 392
586586 by application of the approved modified community rate by 4 393
587587 percent, the carrier may apply both plus and minus adjustments. 394
588588 A small employer carrier may provide a credit to a small 395
589589 employer's premium based on admin istrative and acquisition 396
590590 expense differences resulting from the size of the group. Group 397
591591 size administrative and acquisition expense factors may be 398
592592 developed by each carrier to reflect the carrier's experience 399
593593 and are subject to office review and approval . 400
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602602 F L O R I D A H O U S E O F R E P R E S E N T A T I V E S
603603
604604
605605
606606 6. A small employer carrier rating methodology may include 401
607607 separate rating categories for one dependent child, for two 402
608608 dependent children, and for three or more dependent children for 403
609609 family coverage of employees having a spouse and dependent 404
610610 children or employees having dependent children only. A small 405
611611 employer carrier may have fewer, but not greater, numbers of 406
612612 categories for dependent children than those specified in this 407
613613 subparagraph. 408
614614 7. Small employer carriers may not use a composite rating 409
615615 methodology to rate a small employer with fewer than 10 410
616616 employees. For the purposes of this subparagraph, the term 411
617617 "composite rating methodology" means a rating methodology that 412
618618 averages the impact of the rating factors for age and gender in 413
619619 the premiums charged to all of the employees of a small 414
620620 employer. 415
621621 8. A carrier may separate the experience of small employer 416
622622 groups with fewer than 2 eligible employees from the experience 417
623623 of small employer groups with 2 -50 eligible employees for 418
624624 purposes of determining an alternative modified community 419
625625 rating. 420
626626 a. If a carrier separates the experience of small employer 421
627627 groups, the rate to be charged to small employer groups of fewer 422
628628 than 2 eligible employees may not exceed 150 percent of the rate 423
629629 determined for small empl oyer groups of 2-50 eligible employees. 424
630630 However, the carrier may charge excess losses of the experience 425
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639639 F L O R I D A H O U S E O F R E P R E S E N T A T I V E S
640640
641641
642642
643643 pool consisting of small employer groups with less than 2 426
644644 eligible employees to the experience pool consisting of small 427
645645 employer groups with 2 -50 eligible employees so that all losses 428
646646 are allocated and the 150 -percent rate limit on the experience 429
647647 pool consisting of small employer groups with less than 2 430
648648 eligible employees is maintained. 431
649649 b. Notwithstanding s. 627.411(1), the rate to be charged 432
650650 to a small employer group of fewer than 2 eligible employees, 433
651651 insured as of July 1, 2002, may be up to 125 percent of the rate 434
652652 determined for small employer groups of 2 -50 eligible employees 435
653653 for the first annual renewal and 150 percent for subsequent 436
654654 annual renewals. 437
655655 9. A carrier shall separate the experience of 438
656656 grandfathered health plans from nongrandfathered health plans 439
657657 for determining rates. 440
658658 (10)(9) SMALL EMPLOYER CARRIER'S ELECTION TO BECOME A 441
659659 RISK-ASSUMING CARRIER OR A REINSURING CARRIER. — 442
660660 (c) An election to become a risk-assuming carrier is 443
661661 subject to approval under subsection (11) (10). 444
662662 (d) A small employer carrier that elects to cease 445
663663 participating as a reinsuring carrier and to become a risk -446
664664 assuming carrier is prohibited from reinsuring or continuin g to 447
665665 reinsure any small employer health benefits plan under 448
666666 subsection (12) (11) as soon as the carrier becomes a risk -449
667667 assuming carrier and must pay a prorated assessment based upon 450
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676676 F L O R I D A H O U S E O F R E P R E S E N T A T I V E S
677677
678678
679679
680680 business issued as a reinsuring carrier for any portion of the 451
681681 year that the business was reinsured. A small employer carrier 452
682682 that elects to cease participating as a risk -assuming carrier 453
683683 and to become a reinsuring carrier is permitted to reinsure 454
684684 small employer health benefit plans under the terms set forth in 455
685685 subsection (12) (11) and must pay a prorated assessment based 456
686686 upon business issued as a reinsuring carrier for any portion of 457
687687 the year that the business was reinsured. 458
688688 (11)(10) ELECTION PROCESS TO BECOME A RISK -ASSUMING 459
689689 CARRIER.— 460
690690 (a)1. A small employer carrier may beco me a risk-assuming 461
691691 carrier by filing with the office a designation of election 462
692692 under subsection (10) (9) in a format and manner prescribed by 463
693693 the commission. The office shall approve the election of a small 464
694694 employer carrier to become a risk -assuming carrier if the office 465
695695 finds that the carrier is capable of assuming that status 466
696696 pursuant to the criteria set forth in paragraph (b). 467
697697 2. The office must approve or disapprove any designation 468
698698 as a risk-assuming carrier within 60 days after filing. 469
699699 (b) In determining whether to approve an application by a 470
700700 small employer carrier to become a risk -assuming carrier, the 471
701701 office shall consider: 472
702702 1. The carrier's financial ability to support the 473
703703 assumption of the risk of small employer groups. 474
704704 2. The carrier's histo ry of rating and underwriting small 475
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713713 F L O R I D A H O U S E O F R E P R E S E N T A T I V E S
714714
715715
716716
717717 employer groups. 476
718718 3. The carrier's commitment to market fairly to all small 477
719719 employers in the state or its service area, as applicable. 478
720720 4. The carrier's ability to assume and manage the risk of 479
721721 enrolling small employer groups without the protection of the 480
722722 reinsurance program provided in subsection (12) (11). 481
723723 (c) A small employer carrier that becomes a risk -assuming 482
724724 carrier pursuant to this subsection is not subject to the 483
725725 assessment provisions of subsection (12) (11). 484
726726 (d) The office shall provide public notice of a small 485
727727 employer carrier's designation of election under subsection (10) 486
728728 (9) to become a risk-assuming carrier and shall provide at least 487
729729 a 21-day period for public comment prior to making a decision on 488
730730 the election. The office shall hold a hearing on the election at 489
731731 the request of the carrier. 490
732732 Section 10. Subsections (48), (49), and (50) are added to 491
733733 section 641.31, Florida Statutes, to read: 492
734734 641.31 Health maintenance contracts. — 493
735735 (48) Any health maintenance contract delivered or issued 494
736736 in this state on or after July 1, 2024, which provides, for an 495
737737 appropriate additional premium, coverage for sex -reassignment 496
738738 prescriptions or procedures as defined in s. 456.001 must also 497
739739 provide coverage for treatment to detransition from such sex -498
740740 reassignment prescriptions or procedures. As used in this 499
741741 subsection, the term "detransition" means to reverse or attempt 500
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750750 F L O R I D A H O U S E O F R E P R E S E N T A T I V E S
751751
752752
753753
754754 to reverse the effects of sex -reassignment prescriptions or 501
755755 procedures as defined i n s. 456.001. 502
756756 (49) A health maintenance organization that delivers or 503
757757 issues a health maintenance contract providing coverage 504
758758 described under subsection (48) must also offer a health 505
759759 maintenance contract that does not provide such coverage. 506
760760 (50) Any health maintenance contract delivered or issued 507
761761 in this state on or after July 1, 2024, may not prohibit the 508
762762 coverage of mental health or therapeutic services to treat a 509
763763 person's perception that his or her sex is inconsistent with the 510
764764 person's sex at birth b y affirming the subscriber's sex as 511
765765 defined in s. 456.001. 512
766766 Section 11. Subsection (12) is added to section 760.02, 513
767767 Florida Statutes, to read: 514
768768 760.02 Definitions. —For the purposes of ss. 760.01 -760.11 515
769769 and 509.092, the term: 516
770770 (12) "Sex" means the clas sification of a human person as 517
771771 either male or female based on the organization of the body of 518
772772 such person for a specific reproductive role, as indicated by 519
773773 the person's sex chromosomes, naturally occurring sex hormones, 520
774774 and internal and external genitalia present at birth. 521
775775 Section 12. Section 760.07, Florida Statutes, is amended 522
776776 to read: 523
777777 760.07 Remedies for unlawful discrimination. —Any violation 524
778778 of any Florida statute that makes unlawful discrimination 525
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787787 F L O R I D A H O U S E O F R E P R E S E N T A T I V E S
788788
789789
790790
791791 because of race, color, religion, sex gender, pregnancy, 526
792792 national origin, age, handicap, or marital status in the areas 527
793793 of education, employment, or public accommodations gives rise to 528
794794 a cause of action for all relief and damages described in s. 529
795795 760.11(5), unless greater damages are expressly provided f or. If 530
796796 the statute prohibiting unlawful discrimination provides an 531
797797 administrative remedy, the action for equitable relief and 532
798798 damages provided for in this section may be initiated only after 533
799799 the plaintiff has exhausted his or her administrative remedy. 534
800800 The term "public accommodations" does not include lodge halls or 535
801801 other similar facilities of private organizations which are made 536
802802 available for public use occasionally or periodically. The right 537
803803 to trial by jury is preserved in any case in which the plaintiff 538
804804 is seeking actual or punitive damages. 539
805805 Section 13. Section 760.09, Florida Statutes, is created 540
806806 to read: 541
807807 760.09 Construction. — 542
808808 (1) Notwithstanding any state law to the contrary, with 543
809809 respect to the identification of an individual's sex in the 544
810810 application of this chapter, the following construction applies 545
811811 and the following terms have the following meanings: 546
812812 (a) "Sex" means an individual's biological sex, either 547
813813 male or female, at birth. 548
814814 (b) "Female" means an individual whose biological 549
815815 reproductive system is developed to produce ova, and the term 550
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824824 F L O R I D A H O U S E O F R E P R E S E N T A T I V E S
825825
826826
827827
828828 "male" means an individual whose biological reproductive system 551
829829 is developed to fertilize the ova of a female. 552
830830 (c) "Woman" and "girl" refer to human females, and the 553
831831 terms "man" and "boy" refer to human males. 554
832832 (d) "Mother" means a female parent, and the term "father" 555
833833 means a male parent. 556
834834 (e) "Equal," with respect to biological sex, does not mean 557
835835 "same" or "identical." 558
836836 (f) With respect to biological sex, separate 559
837837 accommodations are not inheren tly unequal. 560
838838 (g) An individual born with a medically verifiable 561
839839 diagnosis of a disorder in sex development must be provided 562
840840 legal protections and accommodations afforded under the 563
841841 Americans with Disabilities Act and applicable state law. 564
842842 (2) Laws and rules that distinguish between the sexes are 565
843843 subject to intermediate constitutional scrutiny. Intermediate 566
844844 constitutional scrutiny forbids unfair discrimination against 567
845845 similarly situated male and female individuals but allows the 568
846846 law to distinguish between the sexes where such distinctions are 569
847847 substantially related to important state interests. 570
848848 Notwithstanding any state law to the contrary, distinctions 571
849849 between the sexes with respect to athletics, prisons or other 572
850850 detention facilities, domestic violence she lters, rape crisis 573
851851 centers, locker rooms, restrooms, and other areas where biology, 574
852852 safety, or privacy are implicated which result in separate 575
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861861 F L O R I D A H O U S E O F R E P R E S E N T A T I V E S
862862
863863
864864
865865 accommodations are substantially related to the important state 576
866866 interest of protecting the health, safety, and pr ivacy of 577
867867 individuals in such circumstances. 578
868868 (3) Any school district, or public school therein, and any 579
869869 state agency, department, or office or political subdivision 580
870870 thereof that collects vital statistics for the purpose of 581
871871 complying with antidiscriminatio n laws or for the purpose of 582
872872 gathering accurate public health, crime, economic, or other data 583
873873 must identify the sex, as defined in s. 1.01(20), of each 584
874874 individual who is part of the collected data identify set. 585
875875 Section 14. Subsection (1) of section 760 .60, Florida 586
876876 Statutes, is amended to read: 587
877877 760.60 Discriminatory practices of certain clubs 588
878878 prohibited; remedies. — 589
879879 (1) It is unlawful for A person to discriminate against 590
880880 any individual because of race, color, religion, sex gender, 591
881881 national origin, han dicap, age above the age of 21, or marital 592
882882 status in evaluating an application for membership in a club 593
883883 that has more than 400 members, that provides regular meal 594
884884 service, and that regularly receives payment for dues, fees, use 595
885885 of space, facilities, servic es, meals, or beverages directly or 596
886886 indirectly from nonmembers for business purposes. It is unlawful 597
887887 for A person, on behalf of such a club, to publish, circulate, 598
888888 issue, display, post, or mail any advertisement, notice, or 599
889889 solicitation that contains a sta tement to the effect that the 600
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898898 F L O R I D A H O U S E O F R E P R E S E N T A T I V E S
899899
900900
901901
902902 accommodations, advantages, facilities, membership, or 601
903903 privileges of the club are denied to any individual because of 602
904904 race, color, religion, sex gender, national origin, handicap, 603
905905 age above the age of 21, or marital status. Th is subsection does 604
906906 not apply to fraternal or benevolent organizations, ethnic 605
907907 clubs, or religious organizations where business activity is not 606
908908 prevalent. 607
909909 Section 15. Subsection (4) of section 760.80, Florida 608
910910 Statutes, is amended to read: 609
911911 760.80 Minority representation on boards, commissions, 610
912912 councils, and committees. — 611
913913 (4) Each appointing authority described in subsection (3) 612
914914 shall submit a report to the Secretary of State annually by 613
915915 December 1 which discloses the number of appointments made 614
916916 during the preceding year from each minority group and the 615
917917 number of nonminority appointments made, expressed both in 616
918918 numerical terms and as a percentage of the total membership of 617
919919 the board, commission, council, or committee. In addition, 618
920920 information must shall be included in the report detailing the 619
921921 number of physically disabled persons appointed to boards, 620
922922 commissions, councils, and committees in the previous calendar 621
923923 year. A copy of the report must shall be submitted to the 622
924924 Governor, the Speaker of the House o f Representatives, and the 623
925925 President of the Senate. In addition, each appointing authority 624
926926 shall designate a person responsible for retaining all 625
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935935 F L O R I D A H O U S E O F R E P R E S E N T A T I V E S
936936
937937
938938
939939 applications for appointment, who shall ensure that information 626
940940 describing each applicant's race, ethnicity, sex gender, 627
941941 physical disability, if applicable, and qualifications is 628
942942 available for public inspection during reasonable hours. Nothing 629
943943 in this section requires disclosure of an applicant's identity 630
944944 or of any other information made confidential by law. 631
945945 Section 16. Subsection (4), paragraphs (a), (e), and (g) 632
946946 of subsection (7), and paragraph (a) of subsection (8) of 633
947947 section 627.6475, Florida Statutes, are amended to read: 634
948948 627.6475 Individual reinsurance pool. — 635
949949 (4) MAINTENANCE OF RECORDS. —Each health insurance issuer 636
950950 that offers individual health insurance must maintain at its 637
951951 principal place of business a complete and detailed description 638
952952 of its rating practices and renewal practices, as required for 639
953953 small employer carriers pursuant to s. 627.6699(9) s. 640
954954 627.6699(8). 641
955955 (7) INDIVIDUAL HEALTH REINSURANCE PROGRAM. — 642
956956 (a) The individual health reinsurance program shall 643
957957 operate subject to the supervision and control of the board of 644
958958 the small employer health reinsurance program established 645
959959 pursuant to s. 627.6699(12) s. 627.6699(11). The board shall 646
960960 establish a separate, segregated account for eligible 647
961961 individuals reinsured pursuant to this section, which account 648
962962 may not be commingled with the small employer health reinsurance 649
963963 account. 650
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972972 F L O R I D A H O U S E O F R E P R E S E N T A T I V E S
973973
974974
975975
976976 (e)1. Before March 1 of each calendar year, the board 651
977977 shall determine and report to the office the program net loss in 652
978978 the individual account for the previous year, including 653
979979 administrative expenses for that year and the incurred losses 654
980980 for that year, taking into account in vestment income and other 655
981981 appropriate gains and losses. 656
982982 2. Any net loss in the individual account for the year 657
983983 shall be recouped by assessing the carriers as follows: 658
984984 a. The operating losses of the program shall be assessed 659
985985 in the following order subje ct to the specified limitations. The 660
986986 first tier of assessments shall be made against reinsuring 661
987987 carriers in an amount that may not exceed 5 percent of each 662
988988 reinsuring carrier's premiums for individual health insurance. 663
989989 If such assessments have been collect ed and additional moneys 664
990990 are needed, the board shall make a second tier of assessments in 665
991991 an amount that may not exceed 0.5 percent of each carrier's 666
992992 health benefit plan premiums. 667
993993 b. Except as provided in paragraph (f), risk -assuming 668
994994 carriers are exempt from all assessments authorized pursuant to 669
995995 this section. The amount paid by a reinsuring carrier for the 670
996996 first tier of assessments shall be credited against any 671
997997 additional assessments made. 672
998998 c. The board shall equitably assess reinsuring carriers 673
999999 for operating losses of the individual account based on market 674
10001000 share. The board shall annually assess each carrier a portion of 675
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10091009 F L O R I D A H O U S E O F R E P R E S E N T A T I V E S
10101010
10111011
10121012
10131013 the operating losses of the individual account. The first tier 676
10141014 of assessments shall be determined by multiplying the operating 677
10151015 losses by a fraction, the numerator of which equals the 678
10161016 reinsuring carrier's earned premium pertaining to direct 679
10171017 writings of individual health insurance in the state during the 680
10181018 calendar year for which the assessment is levied, and the 681
10191019 denominator of which equals t he total of all such premiums 682
10201020 earned by reinsuring carriers in the state during that calendar 683
10211021 year. The second tier of assessments shall be based on the 684
10221022 premiums that all carriers, except risk -assuming carriers, 685
10231023 earned on all health benefit plans written i n this state. The 686
10241024 board may levy interim assessments against reinsuring carriers 687
10251025 to ensure the financial ability of the plan to cover claims 688
10261026 expenses and administrative expenses paid or estimated to be 689
10271027 paid in the operation of the plan for the calendar yea r prior to 690
10281028 the association's anticipated receipt of annual assessments for 691
10291029 that calendar year. Any interim assessment is due and payable 692
10301030 within 30 days after receipt by a carrier of the interim 693
10311031 assessment notice. Interim assessment payments shall be credit ed 694
10321032 against the carrier's annual assessment. Health benefit plan 695
10331033 premiums and benefits paid by a carrier that are less than an 696
10341034 amount determined by the board to justify the cost of collection 697
10351035 may not be considered for purposes of determining assessments. 698
10361036 d. Subject to the approval of the office, the board shall 699
10371037 adjust the assessment formula for reinsuring carriers that are 700
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10461046 F L O R I D A H O U S E O F R E P R E S E N T A T I V E S
10471047
10481048
10491049
10501050 approved as federally qualified health maintenance organizations 701
10511051 by the Secretary of Health and Human Services pursuant to 42 702
10521052 U.S.C. s. 300e(c)(2)(A) to the extent, if any, that restrictions 703
10531053 are placed on them which are not imposed on other carriers. 704
10541054 3. Before March 1 of each year, the board shall determine 705
10551055 and file with the office an estimate of the assessments needed 706
10561056 to fund the losses incurred by the program in the individual 707
10571057 account for the previous calendar year. 708
10581058 4. If the board determines that the assessments needed to 709
10591059 fund the losses incurred by the program in the individual 710
10601060 account for the previous calendar year will exceed the amount 711
10611061 specified in subparagraph 2., the board shall evaluate the 712
10621062 operation of the program and report its findings and 713
10631063 recommendations to the office in the format established in s. 714
10641064 627.6699(12) s. 627.6699(11) for the comparable report for the 715
10651065 small employer reinsurance program. 716
10661066 (g) Except as otherwise provided in this section, the 717
10671067 board and the office shall have all powers, duties, and 718
10681068 responsibilities with respect to carriers that issue and 719
10691069 reinsure individual health insurance, as specified for the boa rd 720
10701070 and the office in s. 627.6699(12) s. 627.6699(11) with respect 721
10711071 to small employer carriers, including, but not limited to, the 722
10721072 provisions of s. 627.6699(12) s. 627.6699(11) relating to: 723
10731073 1. Use of assessments that exceed the amount of actual 724
10741074 losses and expenses. 725
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10831083 F L O R I D A H O U S E O F R E P R E S E N T A T I V E S
10841084
10851085
10861086
10871087 2. The annual determination of each carrier's proportion 726
10881088 of the assessment. 727
10891089 3. Interest for late payment of assessments. 728
10901090 4. Authority for the office to approve deferment of an 729
10911091 assessment against a carrier. 730
10921092 5. Limited immunity from legal a ctions or carriers. 731
10931093 6. Development of standards for compensation to be paid to 732
10941094 agents. Such standards shall be limited to those specifically 733
10951095 enumerated in s. 627.6699(13)(d) s. 627.6699(12)(d). 734
10961096 7. Monitoring compliance by carriers with this section. 735
10971097 (8) STANDARDS TO ASSURE FAIR MARKETING. — 736
10981098 (a) Each health insurance issuer that offers individual 737
10991099 health insurance shall actively market coverage to eligible 738
11001100 individuals in the state. The provisions of s. 627.6699(13) s. 739
11011101 627.6699(12) that apply to small e mployer carriers that market 740
11021102 policies to small employers shall also apply to health insurance 741
11031103 issuers that offer individual health insurance with respect to 742
11041104 marketing policies to individuals. 743
11051105 Section 17. If any provision of this act or the 744
11061106 application thereof to any person or circumstance is held 745
11071107 invalid, the invalidity does not affect other provisions or 746
11081108 applications of the act which can be given effect without the 747
11091109 invalid provision or application, and to this end the provisions 748
11101110 of this act are declare d severable. 749
11111111 Section 18. This act shall take effect July 1, 2024. 750