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10 | 10 | | 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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14 | 14 | | A bill to be entitled 1 |
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15 | 15 | | An act relating to biological sex; amending s. 1.01, 2 |
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16 | 16 | | F.S.; defining terms relating to the sex of an 3 |
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17 | 17 | | individual in the context of the construction of the 4 |
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18 | 18 | | Florida Statutes; amending s. 103.091, F.S.; providing 5 |
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19 | 19 | | that a certain birth certificate statement deter mines 6 |
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20 | 20 | | whether a person is male or female and may serve as a 7 |
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21 | 21 | | committeeman or committeewoman, respectively; amending 8 |
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22 | 22 | | ss. 322.051, 322.08, and 322.14, F.S.; revising 9 |
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23 | 23 | | provisions related to applications for disability 10 |
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24 | 24 | | identification cards, application requireme nts for 11 |
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25 | 25 | | driver licenses and identification cards, and 12 |
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26 | 26 | | requirements for issued driver licenses, respectively, 13 |
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27 | 27 | | to replace references to the term "gender" with the 14 |
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28 | 28 | | term "sex"; creating s. 322.195, F.S.; prohibiting the 15 |
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29 | 29 | | department from issuing original or repl acement driver 16 |
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30 | 30 | | licenses or identification cards that contain 17 |
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31 | 31 | | specified information; requiring the department to 18 |
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32 | 32 | | require applicants to sign an affidavit certifying 19 |
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33 | 33 | | specified information submitted on the application for 20 |
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34 | 34 | | a new or replacement driver license or identification 21 |
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35 | 35 | | card; requiring the department to revoke a driver 22 |
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36 | 36 | | license or identification card if it determines that 23 |
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37 | 37 | | an applicant made a false attestation; creating s. 24 |
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38 | 38 | | 627.6411, F.S., and amending ss. 627.657, 627.6699, 25 |
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40 | 40 | | HB 1233 2024 |
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47 | 47 | | 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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50 | 50 | | |
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51 | 51 | | and 641.31, F.S.; requiring that i ndividual health 26 |
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52 | 52 | | insurance policies, group health insurance policies, 27 |
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53 | 53 | | health benefit plans, and health maintenance 28 |
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54 | 54 | | contracts, respectively, providing coverage for sex -29 |
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55 | 55 | | reassignment prescriptions or procedures must also 30 |
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56 | 56 | | provide coverage for treatment to detr ansition from 31 |
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57 | 57 | | such sex-reassignment prescriptions or procedures; 32 |
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58 | 58 | | defining the term "detransition"; requiring health 33 |
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59 | 59 | | insurers, insurance carriers, and health maintenance 34 |
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60 | 60 | | organizations providing coverage of sex -reassignment 35 |
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61 | 61 | | prescriptions or procedures to als o offer policies, 36 |
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62 | 62 | | plans, and contracts, as applicable, that do not 37 |
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63 | 63 | | provide such coverage; providing that policies, plans, 38 |
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64 | 64 | | and contracts may not prohibit coverage of certain 39 |
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65 | 65 | | mental health and therapeutic services; amending s. 40 |
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66 | 66 | | 760.02, F.S.; defining the term "sex" for purposes of 41 |
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67 | 67 | | the Florida Civil Rights Act of 1992; amending s. 42 |
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68 | 68 | | 760.07, F.S.; revising provisions related to remedies 43 |
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69 | 69 | | for unlawful discrimination to include protection on 44 |
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70 | 70 | | the basis of sex, rather than gender; creating s. 45 |
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71 | 71 | | 760.09, F.S.; defining ter ms and providing 46 |
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72 | 72 | | construction for the application of specified 47 |
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73 | 73 | | provisions; specifying the standard of scrutiny for 48 |
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74 | 74 | | specified provisions; providing construction; 49 |
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75 | 75 | | requiring certain governmental entities to identify 50 |
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84 | 84 | | 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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85 | 85 | | |
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87 | 87 | | |
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88 | 88 | | specified information for data -gathering purposes; 51 |
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89 | 89 | | amending ss. 760.60 and 760.80, F.S.; revising 52 |
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90 | 90 | | provisions related to discriminatory practices of 53 |
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91 | 91 | | certain clubs and minority representation on boards, 54 |
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92 | 92 | | commissions, councils, and committees, respectively, 55 |
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93 | 93 | | to replace references to the term "gender" wi th the 56 |
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94 | 94 | | term "sex"; amending s. 627.6475, F.S.; conforming 57 |
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95 | 95 | | cross-references; providing severability; providing an 58 |
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96 | 96 | | effective date. 59 |
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97 | 97 | | 60 |
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98 | 98 | | Be It Enacted by the Legislature of the State of Florida: 61 |
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99 | 99 | | 62 |
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100 | 100 | | Section 1. Subsection (20) is added to section 1.01, 63 |
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101 | 101 | | Florida Statutes, to read: 64 |
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102 | 102 | | 1.01 Definitions.—In construing these statutes and each 65 |
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103 | 103 | | and every word, phrase, or part hereof, where the context will 66 |
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104 | 104 | | permit: 67 |
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105 | 105 | | (20) Notwithstanding any state law to the contrary, with 68 |
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106 | 106 | | respect to the identification of a person's sex in the 69 |
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107 | 107 | | application of any state law or rules or regulations, the 70 |
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108 | 108 | | following terms have the following meanings: 71 |
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109 | 109 | | (a) "Sex" means the classification of a human person as 72 |
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110 | 110 | | either male or female based on the organization of the body of 73 |
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111 | 111 | | such person for a specif ic reproductive role, as indicated by 74 |
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112 | 112 | | the person's sex chromosomes, naturally occurring sex hormones, 75 |
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121 | 121 | | 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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125 | 125 | | and internal and external genitalia present at birth. All 76 |
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126 | 126 | | references to the term "gender" in these statutes must be deemed 77 |
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127 | 127 | | to refer solely to sex as defin ed in this section, unless a 78 |
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128 | 128 | | different meaning is plainly required by context to qualify, 79 |
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129 | 129 | | limit, or define a specific word or phrase. 80 |
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130 | 130 | | (b) "Female" means a person belonging, at birth, to the 81 |
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131 | 131 | | biological sex that has the specific reproductive role of 82 |
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132 | 132 | | producing ova. 83 |
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133 | 133 | | (c) "Male" means a person belonging, at birth, to the 84 |
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134 | 134 | | biological sex that has the specific reproductive role of 85 |
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135 | 135 | | producing sperm. 86 |
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136 | 136 | | (d) "Woman" and "girl" refer to human females, and the 87 |
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137 | 137 | | terms "man" and "boy" refer to human males. 88 |
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138 | 138 | | (e) "Mother" means a female parent, and the term "father" 89 |
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139 | 139 | | means a male parent. 90 |
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140 | 140 | | (f) "Equal," with respect to sex, does not mean "same" or 91 |
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141 | 141 | | "identical." 92 |
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142 | 142 | | Section 2. Subsection (9) is added to section 103.091, 93 |
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143 | 143 | | Florida Statutes, to read: 94 |
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144 | 144 | | 103.091 Political parties. — 95 |
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145 | 145 | | (9) For purposes of this section, the statement of 96 |
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146 | 146 | | biological sex on a person's official birth certificate filed at 97 |
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147 | 147 | | or near the time of the person's birth determines whether the 98 |
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148 | 148 | | person is male or female and may serve as a committeeman or 99 |
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149 | 149 | | committeewoman, respectively. 100 |
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158 | 158 | | 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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160 | 160 | | |
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161 | 161 | | |
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162 | 162 | | Section 3. Paragraph (a) of subsection (1) of section 101 |
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163 | 163 | | 322.051, Florida Statutes, is amended to read: 102 |
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164 | 164 | | 322.051 Identification cards. — 103 |
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165 | 165 | | (1) Any person who is 5 years of age or older, or any 104 |
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166 | 166 | | person who has a disability, regardless of age, who applies for 105 |
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167 | 167 | | a disabled parking permit under s. 320.0848, may be issued an 106 |
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168 | 168 | | identification card by the department upon completion of an 107 |
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169 | 169 | | application and payment of an application fee. 108 |
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170 | 170 | | (a) The application must include the following information 109 |
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171 | 171 | | regarding the applicant: 110 |
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172 | 172 | | 1. Full name (first, middle or maiden, and last), sex 111 |
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173 | 173 | | gender, proof of social security card number satisfactory to the 112 |
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174 | 174 | | department, which may include a military identification card, 113 |
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175 | 175 | | county of residence, mailing address, proof of residential 114 |
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176 | 176 | | address satisfactory to the department, country of birth, and a 115 |
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177 | 177 | | brief description. 116 |
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178 | 178 | | 2. Proof of birth date satisfactory to the department. 117 |
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179 | 179 | | 3. Proof of identity satisfactory to the department. Such 118 |
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180 | 180 | | proof must include one of the following documents issue d to the 119 |
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181 | 181 | | applicant: 120 |
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182 | 182 | | a. A driver license record or identification card record 121 |
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183 | 183 | | from another jurisdiction that required the applicant to submit 122 |
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184 | 184 | | a document for identification which is substantially similar to 123 |
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185 | 185 | | a document required under sub -subparagraph b., sub-subparagraph 124 |
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186 | 186 | | c., sub-subparagraph d., sub -subparagraph e., sub -subparagraph 125 |
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195 | 195 | | 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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199 | 199 | | f., sub-subparagraph g., or sub -subparagraph h.; 126 |
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200 | 200 | | b. A certified copy of a United States birth certificate; 127 |
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201 | 201 | | c. A valid, unexpired United States passport; 128 |
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202 | 202 | | d. A naturalization certificate issued by the United 129 |
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203 | 203 | | States Department of Homeland Security; 130 |
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204 | 204 | | e. A valid, unexpired alien registration receipt card 131 |
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205 | 205 | | (green card); 132 |
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206 | 206 | | f. A Consular Report of Birth Abroad provided by the 133 |
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207 | 207 | | United States Department of State; 134 |
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208 | 208 | | g. An unexpired empl oyment authorization card issued by 135 |
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209 | 209 | | the United States Department of Homeland Security; or 136 |
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210 | 210 | | h. Proof of nonimmigrant classification provided by the 137 |
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211 | 211 | | United States Department of Homeland Security, for an original 138 |
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212 | 212 | | identification card. In order to prove nonimm igrant 139 |
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213 | 213 | | classification, an applicant must provide at least one of the 140 |
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214 | 214 | | following documents. In addition, the department may require 141 |
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215 | 215 | | applicants to produce United States Department of Homeland 142 |
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216 | 216 | | Security documents for the sole purpose of establishing the 143 |
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217 | 217 | | maintenance of, or efforts to maintain, continuous lawful 144 |
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218 | 218 | | presence: 145 |
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219 | 219 | | (I) A notice of hearing from an immigration court 146 |
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220 | 220 | | scheduling a hearing on any proceeding. 147 |
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221 | 221 | | (II) A notice from the Board of Immigration Appeals 148 |
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222 | 222 | | acknowledging pendency of an appeal. 149 |
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223 | 223 | | (III) A notice of the approval of an application for 150 |
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232 | 232 | | 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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233 | 233 | | |
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234 | 234 | | |
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235 | 235 | | |
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236 | 236 | | adjustment of status issued by the United States Citizenship and 151 |
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237 | 237 | | Immigration Services. 152 |
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238 | 238 | | (IV) An official documentation confirming the filing of a 153 |
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239 | 239 | | petition for asylum or refugee status or any other relief issued 154 |
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240 | 240 | | by the United States Citizenship and Immigration Services. 155 |
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241 | 241 | | (V) A notice of action transferring any pending matter 156 |
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242 | 242 | | from another jurisdiction to Florida, issued by the United 157 |
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243 | 243 | | States Citizenship and Immigration Services. 158 |
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244 | 244 | | (VI) An order of an immigration jud ge or immigration 159 |
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245 | 245 | | officer granting relief that authorizes the alien to live and 160 |
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246 | 246 | | work in the United States, including, but not limited to, 161 |
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247 | 247 | | asylum. 162 |
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248 | 248 | | (VII) Evidence that an application is pending for 163 |
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249 | 249 | | adjustment of status to that of an alien lawfully admitted for 164 |
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250 | 250 | | permanent residence in the United States or conditional 165 |
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251 | 251 | | permanent resident status in the United States, if a visa number 166 |
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252 | 252 | | is available having a current priority date for processing by 167 |
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253 | 253 | | the United States Citizenship and Immigration Services. 168 |
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254 | 254 | | (VIII) On or after January 1, 2010, an unexpired foreign 169 |
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255 | 255 | | passport with an unexpired United States Visa affixed, 170 |
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256 | 256 | | accompanied by an approved I -94, documenting the most recent 171 |
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257 | 257 | | admittance into the United States. 172 |
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258 | 258 | | 173 |
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259 | 259 | | An identification card issued based on documents required in 174 |
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260 | 260 | | sub-subparagraph g. or sub -subparagraph h. is valid for a period 175 |
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269 | 269 | | 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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272 | 272 | | |
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273 | 273 | | not to exceed the expiration date of the document presented or 1 176 |
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274 | 274 | | year, whichever occurs first. 177 |
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275 | 275 | | Section 4. Paragraph (a) of subsection (2) of section 178 |
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276 | 276 | | 322.08, Florida Statutes, is amend ed to read: 179 |
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277 | 277 | | 322.08 Application for license; requirements for license 180 |
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278 | 278 | | and identification card forms. — 181 |
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279 | 279 | | (2) Each such application shall include the following 182 |
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280 | 280 | | information regarding the applicant: 183 |
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281 | 281 | | (a) Full name (first, middle or maiden, and last), sex 184 |
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282 | 282 | | gender, proof of social security card number satisfactory to the 185 |
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283 | 283 | | department, which may include a military identification card, 186 |
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284 | 284 | | county of residence, mailing address, proof of residential 187 |
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285 | 285 | | address satisfactory to the department, country of birth, and a 188 |
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286 | 286 | | brief description. 189 |
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287 | 287 | | Section 5. Paragraph (a) of subsection (1) of section 190 |
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288 | 288 | | 322.14, Florida Statutes, is amended to read: 191 |
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289 | 289 | | 322.14 Licenses issued to drivers. — 192 |
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290 | 290 | | (1)(a) The department shall, upon successful completion of 193 |
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291 | 291 | | all required examinations and payment of the required fee, issue 194 |
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292 | 292 | | to every qualified applicant a printed driver license that must 195 |
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293 | 293 | | bear a color photograph or digital image of the licensee; the 196 |
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294 | 294 | | name of the state; a distinguishing number assigned to the 197 |
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295 | 295 | | licensee, which, beginning November 1, 2023, must have a minimum 198 |
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296 | 296 | | of four randomly generated digits on each original, renewal, or 199 |
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297 | 297 | | replacement driver license; and the licensee's full name, date 200 |
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306 | 306 | | 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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307 | 307 | | |
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308 | 308 | | |
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309 | 309 | | |
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310 | 310 | | of birth, and residence address; a brief description of the 201 |
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311 | 311 | | licensee, including, but not limited to, the licensee's sex 202 |
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312 | 312 | | gender and height; and the dates of issuance and expiration of 203 |
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313 | 313 | | the license. A space must shall be provided upon which the 204 |
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314 | 314 | | licensee must shall affix his or her usual signature. A license 205 |
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315 | 315 | | is invalid until it has been signed by the licensee except that 206 |
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316 | 316 | | the signature of the licensee is not required if it appears 207 |
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317 | 317 | | thereon in facsimile or if the licensee is not present within 208 |
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318 | 318 | | this the state at the time of issuance. 209 |
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319 | 319 | | Section 6. Section 322.195, Florida Statutes, is created 210 |
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320 | 320 | | to read: 211 |
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321 | 321 | | 322.195 Specification of a person's sex on driver licenses 212 |
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322 | 322 | | and identification cards. —The department may not issue an 213 |
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323 | 323 | | original or replacement driver license or identification card 214 |
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324 | 324 | | that specifies a person's sex as different from that specified 215 |
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325 | 325 | | on the person's original certificate of live birth. The 216 |
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326 | 326 | | department must require an applicant to sign an affidavit 217 |
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327 | 327 | | certifying that the sex specified on the application submitted 218 |
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328 | 328 | | for a new or replacement driver license or identification card 219 |
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329 | 329 | | is identical to that specified on the applicant's original 220 |
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330 | 330 | | certificate of live birth. If the department determines that the 221 |
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331 | 331 | | applicant made a false attestation, the department must revoke 222 |
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332 | 332 | | his or her driver license or identification card. 223 |
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333 | 333 | | Section 7. Section 627.6411, Florida Statutes, is created 224 |
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334 | 334 | | to read: 225 |
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343 | 343 | | 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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346 | 346 | | |
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347 | 347 | | 627.6411 Coverage of certain treatment. — 226 |
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348 | 348 | | (1) Any health insurance policy delivered or issued in 227 |
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349 | 349 | | this state on or after July 1, 2024, which provides, for an 228 |
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350 | 350 | | appropriate additional premium, coverage for sex -reassignment 229 |
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351 | 351 | | prescriptions or procedures as defined in s. 456.001 must also 230 |
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352 | 352 | | provide coverage for treatment to detransition from such sex -231 |
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353 | 353 | | reassignment prescriptions or procedures. As used in this 232 |
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354 | 354 | | subsection, the term "detransition" means to reverse or attempt 233 |
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355 | 355 | | to reverse the effects of sex -reassignment prescriptions or 234 |
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356 | 356 | | procedures as defined in s. 456.001. 235 |
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357 | 357 | | (2) A health insurer that delivers or issues a health 236 |
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358 | 358 | | insurance policy in this state providing co verage described 237 |
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359 | 359 | | under subsection (1) must also offer a health insurance policy 238 |
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360 | 360 | | that does not provide such coverage. 239 |
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361 | 361 | | (3) Any health insurance policy delivered or issued in 240 |
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362 | 362 | | this state on or after July 1, 2024, may not prohibit the 241 |
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363 | 363 | | coverage of mental healt h or therapeutic services to treat a 242 |
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364 | 364 | | person's perception that his or her sex is inconsistent with the 243 |
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365 | 365 | | person's sex at birth by affirming the insured's sex as defined 244 |
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366 | 366 | | in s. 456.001. 245 |
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367 | 367 | | Section 8. Subsections (4), (5), and (6) are added to 246 |
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368 | 368 | | section 627.657, Florida Statutes, to read: 247 |
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369 | 369 | | 627.657 Provisions of group health insurance policies. — 248 |
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370 | 370 | | (4) Any group health insurance policy delivered or issued 249 |
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371 | 371 | | in this state on or after July 1, 2024, which provides, for an 250 |
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380 | 380 | | 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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381 | 381 | | |
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382 | 382 | | |
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383 | 383 | | |
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384 | 384 | | appropriate additional premium, coverage for sex -reassignment 251 |
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385 | 385 | | prescriptions or procedures as defined in s. 456.001 must also 252 |
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386 | 386 | | provide coverage for treatment to detransition from such sex -253 |
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387 | 387 | | reassignment prescriptions or procedures. As used in this 254 |
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388 | 388 | | subsection, the term "detransition" means to reverse or atte mpt 255 |
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389 | 389 | | to reverse the effects of sex -reassignment prescriptions or 256 |
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390 | 390 | | procedures as defined in s. 456.001. 257 |
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391 | 391 | | (5) A group health insurer that delivers or issues a group 258 |
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392 | 392 | | health insurance policy in this state providing coverage 259 |
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393 | 393 | | described under subsection (4) must a lso offer a group health 260 |
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394 | 394 | | insurance policy that does not provide such coverage. 261 |
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395 | 395 | | (6) Any group health insurance policy delivered or issued 262 |
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396 | 396 | | in this state on or after July 1, 2024, may not prohibit the 263 |
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397 | 397 | | coverage of mental health or therapeutic services to tre at a 264 |
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398 | 398 | | person's perception that his or her sex is inconsistent with the 265 |
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399 | 399 | | person's sex at birth by affirming the insured's sex as defined 266 |
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400 | 400 | | in s. 456.001. 267 |
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401 | 401 | | Section 9. Present subsections (5) through (17) of section 268 |
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402 | 402 | | 627.6699, Florida Statutes, are redesignated as subsections (6) 269 |
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403 | 403 | | through (18), respectively, a new subsection (5) is added to 270 |
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404 | 404 | | that section, and paragraphs (a), (n), (p), (q), (s), and (t) of 271 |
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405 | 405 | | subsection (3), paragraph (b) of present subsection (6), 272 |
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406 | 406 | | paragraphs (c) and (d) of present subsection (9), and paragraphs 273 |
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407 | 407 | | (a) through (d) of present subsection (10) are amended, to read: 274 |
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408 | 408 | | 627.6699 Employee Health Care Access Act. — 275 |
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409 | 409 | | |
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410 | 410 | | HB 1233 2024 |
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411 | 411 | | |
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417 | 417 | | 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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418 | 418 | | |
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419 | 419 | | |
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420 | 420 | | |
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421 | 421 | | (3) DEFINITIONS.—As used in this section, the term: 276 |
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422 | 422 | | (a) "Actuarial certification" means a written statement, 277 |
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423 | 423 | | by a member of the Am erican Academy of Actuaries or another 278 |
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424 | 424 | | person acceptable to the office, that a small employer carrier 279 |
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425 | 425 | | is in compliance with subsection (7) (6), based upon the 280 |
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426 | 426 | | person's examination, including a review of the appropriate 281 |
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427 | 427 | | records and of the actuarial assumpti ons and methods used by the 282 |
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428 | 428 | | carrier in establishing premium rates for applicable health 283 |
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429 | 429 | | benefit plans. 284 |
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430 | 430 | | (n) "Modified community rating" means a method used to 285 |
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431 | 431 | | develop carrier premiums which spreads financial risk across a 286 |
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432 | 432 | | large population; allows the use of separate rating factors for 287 |
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433 | 433 | | age, gender, family composition, tobacco usage, and geographic 288 |
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434 | 434 | | area as determined under paragraph (6)(f) (5)(f); and allows 289 |
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435 | 435 | | adjustments for: claims experience, health status, or duration 290 |
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436 | 436 | | of coverage as permitted under subpara graph (7)(b)5. (6)(b)5.; 291 |
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437 | 437 | | and administrative and acquisition expenses as permitted under 292 |
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438 | 438 | | subparagraph (7)(b)5. (6)(b)5. 293 |
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439 | 439 | | (p) "Plan of operation" means the plan of operation of the 294 |
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440 | 440 | | program, including articles, bylaws, and operating rules, 295 |
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441 | 441 | | adopted by the board under subsection (12) (11). 296 |
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442 | 442 | | (q) "Program" means the Florida Small Employer Carrier 297 |
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443 | 443 | | Reinsurance Program created unde r subsection (12) (11). 298 |
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444 | 444 | | (s) "Reinsuring carrier" means a small employer carrier 299 |
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445 | 445 | | that elects to comply with the requirements set forth in 300 |
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446 | 446 | | |
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447 | 447 | | HB 1233 2024 |
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448 | 448 | | |
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454 | 454 | | 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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455 | 455 | | |
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456 | 456 | | |
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457 | 457 | | |
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458 | 458 | | subsection (12) (11). 301 |
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459 | 459 | | (t) "Risk-assuming carrier" means a small employer carrier 302 |
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460 | 460 | | that elects to comply with the req uirements set forth in 303 |
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461 | 461 | | subsection (11) (10). 304 |
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462 | 462 | | (5) REQUIREMENTS FOR CERTAIN COVERAGE. — 305 |
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463 | 463 | | (a) Any health benefit plan delivered or issued in this 306 |
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464 | 464 | | state on or after July 1, 2024, which provides, for an 307 |
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465 | 465 | | appropriate additional premium, coverage for sex -reassignment 308 |
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466 | 466 | | prescriptions or procedures as defined in s. 456.001 must also 309 |
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467 | 467 | | provide coverage for treatment to detransition from such sex -310 |
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468 | 468 | | reassignment prescriptions or procedures. As used in this 311 |
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469 | 469 | | subsection, the term "detransition" means to reverse or attempt 312 |
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470 | 470 | | to reverse the effects of sex -reassignment prescriptions or 313 |
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471 | 471 | | procedures as defined in s. 456.001. 314 |
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472 | 472 | | (b) A carrier that delivers or issues a health benefit 315 |
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473 | 473 | | plan in this state providing coverage described under paragraph 316 |
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474 | 474 | | (a) must also offer a health benefit plan that does not provide 317 |
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475 | 475 | | such coverage. 318 |
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476 | 476 | | (c) Any health benefit plan delivered or issued in this 319 |
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477 | 477 | | state on or after July 1, 2024, may not prohibit the coverage of 320 |
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478 | 478 | | mental health or therapeutic services to treat a person's 321 |
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479 | 479 | | perception that his or her sex is inco nsistent with the person's 322 |
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480 | 480 | | sex at birth by affirming the insured's sex as defined in s. 323 |
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481 | 481 | | 456.001. 324 |
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482 | 482 | | (7)(6) RESTRICTIONS RELATING TO PREMIUM RATES. — 325 |
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483 | 483 | | |
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484 | 484 | | HB 1233 2024 |
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485 | 485 | | |
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486 | 486 | | |
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490 | 490 | | Page 14 of 30 |
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491 | 491 | | 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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492 | 492 | | |
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493 | 493 | | |
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494 | 494 | | |
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495 | 495 | | (b) For all small employer health benefit plans that are 326 |
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496 | 496 | | subject to this section and issued by small employer carriers on 327 |
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497 | 497 | | or after January 1, 1994, premium rates for health benefit plans 328 |
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498 | 498 | | are subject to the following: 329 |
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499 | 499 | | 1. Small employer carriers must use a modified community 330 |
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500 | 500 | | rating methodology in which the premium for each small employer 331 |
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501 | 501 | | is determined solely on the basis of the eligible employee's and 332 |
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502 | 502 | | eligible dependent's gender, age, family composition, tobacco 333 |
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503 | 503 | | use, or geographic area as determined under paragraph (6)(f) 334 |
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504 | 504 | | (5)(f) and in which the premium may be adjusted as permitted by 335 |
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505 | 505 | | this paragraph. A sma ll employer carrier is not required to use 336 |
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506 | 506 | | gender as a rating factor for a nongrandfathered health plan. 337 |
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507 | 507 | | 2. Rating factors related to age, gender, family 338 |
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508 | 508 | | composition, tobacco use, or geographic location may be 339 |
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509 | 509 | | developed by each carrier to reflect the car rier's experience. 340 |
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510 | 510 | | The factors used by carriers are subject to office review and 341 |
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511 | 511 | | approval. 342 |
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512 | 512 | | 3. Small employer carriers may not modify the rate for a 343 |
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513 | 513 | | small employer for 12 months from the initial issue date or 344 |
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514 | 514 | | renewal date, unless the composition of the gr oup changes or 345 |
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515 | 515 | | benefits are changed. However, a small employer carrier may 346 |
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516 | 516 | | modify the rate one time within the 12 months after the initial 347 |
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517 | 517 | | issue date for a small employer who enrolls under a previously 348 |
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518 | 518 | | issued group policy that has a common anniversary date for all 349 |
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519 | 519 | | employers covered under the policy if: 350 |
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520 | 520 | | |
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521 | 521 | | HB 1233 2024 |
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522 | 522 | | |
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527 | 527 | | Page 15 of 30 |
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528 | 528 | | 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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529 | 529 | | |
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530 | 530 | | |
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531 | 531 | | |
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532 | 532 | | a. The carrier discloses to the employer in a clear and 351 |
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533 | 533 | | conspicuous manner the date of the first renewal and the fact 352 |
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534 | 534 | | that the premium may increase on or after that date. 353 |
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535 | 535 | | b. The insurer demonstrates to th e office that 354 |
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536 | 536 | | efficiencies in administration are achieved and reflected in the 355 |
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537 | 537 | | rates charged to small employers covered under the policy. 356 |
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538 | 538 | | 4. A carrier may issue a group health insurance policy to 357 |
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539 | 539 | | a small employer health alliance or other group associatio n with 358 |
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540 | 540 | | rates that reflect a premium credit for expense savings 359 |
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541 | 541 | | attributable to administrative activities being performed by the 360 |
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542 | 542 | | alliance or group association if such expense savings are 361 |
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543 | 543 | | specifically documented in the insurer's rate filing and are 362 |
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544 | 544 | | approved by the office. Any such credit may not be based on 363 |
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545 | 545 | | different morbidity assumptions or on any other factor related 364 |
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546 | 546 | | to the health status or claims experience of any person covered 365 |
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547 | 547 | | under the policy. This subparagraph does not exempt an alliance 366 |
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548 | 548 | | or group association from licensure for activities that require 367 |
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549 | 549 | | licensure under the insurance code. A carrier issuing a group 368 |
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550 | 550 | | health insurance policy to a small employer health alliance or 369 |
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551 | 551 | | other group association shall allow any properly licensed and 370 |
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552 | 552 | | appointed agent of that carrier to market and sell the small 371 |
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553 | 553 | | employer health alliance or other group association policy. Such 372 |
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554 | 554 | | agent shall be paid the usual and customary commission paid to 373 |
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555 | 555 | | any agent selling the policy. 374 |
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556 | 556 | | 5. Any adjustments in rates for claims experience, hea lth 375 |
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557 | 557 | | |
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558 | 558 | | HB 1233 2024 |
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559 | 559 | | |
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560 | 560 | | |
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565 | 565 | | 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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566 | 566 | | |
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567 | 567 | | |
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568 | 568 | | |
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569 | 569 | | status, or duration of coverage may not be charged to individual 376 |
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570 | 570 | | employees or dependents. For a small employer's policy, such 377 |
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571 | 571 | | adjustments may not result in a rate for the small employer 378 |
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572 | 572 | | which deviates more than 15 percent from the carrier's approved 379 |
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573 | 573 | | rate. Any such adjustment must be applied uniformly to the rates 380 |
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574 | 574 | | charged for all employees and dependents of the small employer. 381 |
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575 | 575 | | A small employer carrier may make an adjustment to a small 382 |
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576 | 576 | | employer's renewal premium, up to 10 percent annually, due to 383 |
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577 | 577 | | the claims experience, health status, or duration of coverage of 384 |
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578 | 578 | | the employees or dependents of the small employer. If the 385 |
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579 | 579 | | aggregate resulting from the application of such adjustment 386 |
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580 | 580 | | exceeds the premium that would have been charged by application 387 |
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581 | 581 | | of the approved modified community rate by 4 percent for the 388 |
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582 | 582 | | current policy term, the carrier shall limit the application of 389 |
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583 | 583 | | such adjustments only to minus adjustments. For any subsequent 390 |
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584 | 584 | | policy term, if the total aggregate adjusted premium actually 391 |
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585 | 585 | | charged does not exceed the premium that would have been charged 392 |
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586 | 586 | | by application of the approved modified community rate by 4 393 |
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587 | 587 | | percent, the carrier may apply both plus and minus adjustments. 394 |
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588 | 588 | | A small employer carrier may provide a credit to a small 395 |
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589 | 589 | | employer's premium based on admin istrative and acquisition 396 |
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590 | 590 | | expense differences resulting from the size of the group. Group 397 |
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591 | 591 | | size administrative and acquisition expense factors may be 398 |
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592 | 592 | | developed by each carrier to reflect the carrier's experience 399 |
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593 | 593 | | and are subject to office review and approval . 400 |
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594 | 594 | | |
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595 | 595 | | HB 1233 2024 |
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596 | 596 | | |
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602 | 602 | | 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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603 | 603 | | |
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604 | 604 | | |
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605 | 605 | | |
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606 | 606 | | 6. A small employer carrier rating methodology may include 401 |
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607 | 607 | | separate rating categories for one dependent child, for two 402 |
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608 | 608 | | dependent children, and for three or more dependent children for 403 |
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609 | 609 | | family coverage of employees having a spouse and dependent 404 |
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610 | 610 | | children or employees having dependent children only. A small 405 |
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611 | 611 | | employer carrier may have fewer, but not greater, numbers of 406 |
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612 | 612 | | categories for dependent children than those specified in this 407 |
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613 | 613 | | subparagraph. 408 |
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614 | 614 | | 7. Small employer carriers may not use a composite rating 409 |
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615 | 615 | | methodology to rate a small employer with fewer than 10 410 |
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616 | 616 | | employees. For the purposes of this subparagraph, the term 411 |
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617 | 617 | | "composite rating methodology" means a rating methodology that 412 |
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618 | 618 | | averages the impact of the rating factors for age and gender in 413 |
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619 | 619 | | the premiums charged to all of the employees of a small 414 |
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620 | 620 | | employer. 415 |
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621 | 621 | | 8. A carrier may separate the experience of small employer 416 |
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622 | 622 | | groups with fewer than 2 eligible employees from the experience 417 |
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623 | 623 | | of small employer groups with 2 -50 eligible employees for 418 |
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624 | 624 | | purposes of determining an alternative modified community 419 |
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625 | 625 | | rating. 420 |
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626 | 626 | | a. If a carrier separates the experience of small employer 421 |
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627 | 627 | | groups, the rate to be charged to small employer groups of fewer 422 |
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628 | 628 | | than 2 eligible employees may not exceed 150 percent of the rate 423 |
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629 | 629 | | determined for small empl oyer groups of 2-50 eligible employees. 424 |
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630 | 630 | | However, the carrier may charge excess losses of the experience 425 |
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631 | 631 | | |
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632 | 632 | | HB 1233 2024 |
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633 | 633 | | |
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639 | 639 | | 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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640 | 640 | | |
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641 | 641 | | |
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642 | 642 | | |
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643 | 643 | | pool consisting of small employer groups with less than 2 426 |
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644 | 644 | | eligible employees to the experience pool consisting of small 427 |
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645 | 645 | | employer groups with 2 -50 eligible employees so that all losses 428 |
---|
646 | 646 | | are allocated and the 150 -percent rate limit on the experience 429 |
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647 | 647 | | pool consisting of small employer groups with less than 2 430 |
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648 | 648 | | eligible employees is maintained. 431 |
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649 | 649 | | b. Notwithstanding s. 627.411(1), the rate to be charged 432 |
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650 | 650 | | to a small employer group of fewer than 2 eligible employees, 433 |
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651 | 651 | | insured as of July 1, 2002, may be up to 125 percent of the rate 434 |
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652 | 652 | | determined for small employer groups of 2 -50 eligible employees 435 |
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653 | 653 | | for the first annual renewal and 150 percent for subsequent 436 |
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654 | 654 | | annual renewals. 437 |
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655 | 655 | | 9. A carrier shall separate the experience of 438 |
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656 | 656 | | grandfathered health plans from nongrandfathered health plans 439 |
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657 | 657 | | for determining rates. 440 |
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658 | 658 | | (10)(9) SMALL EMPLOYER CARRIER'S ELECTION TO BECOME A 441 |
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659 | 659 | | RISK-ASSUMING CARRIER OR A REINSURING CARRIER. — 442 |
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660 | 660 | | (c) An election to become a risk-assuming carrier is 443 |
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661 | 661 | | subject to approval under subsection (11) (10). 444 |
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662 | 662 | | (d) A small employer carrier that elects to cease 445 |
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663 | 663 | | participating as a reinsuring carrier and to become a risk -446 |
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664 | 664 | | assuming carrier is prohibited from reinsuring or continuin g to 447 |
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665 | 665 | | reinsure any small employer health benefits plan under 448 |
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666 | 666 | | subsection (12) (11) as soon as the carrier becomes a risk -449 |
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667 | 667 | | assuming carrier and must pay a prorated assessment based upon 450 |
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668 | 668 | | |
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669 | 669 | | HB 1233 2024 |
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670 | 670 | | |
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671 | 671 | | |
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672 | 672 | | |
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675 | 675 | | Page 19 of 30 |
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676 | 676 | | 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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677 | 677 | | |
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678 | 678 | | |
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679 | 679 | | |
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680 | 680 | | business issued as a reinsuring carrier for any portion of the 451 |
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681 | 681 | | year that the business was reinsured. A small employer carrier 452 |
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682 | 682 | | that elects to cease participating as a risk -assuming carrier 453 |
---|
683 | 683 | | and to become a reinsuring carrier is permitted to reinsure 454 |
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684 | 684 | | small employer health benefit plans under the terms set forth in 455 |
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685 | 685 | | subsection (12) (11) and must pay a prorated assessment based 456 |
---|
686 | 686 | | upon business issued as a reinsuring carrier for any portion of 457 |
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687 | 687 | | the year that the business was reinsured. 458 |
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688 | 688 | | (11)(10) ELECTION PROCESS TO BECOME A RISK -ASSUMING 459 |
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689 | 689 | | CARRIER.— 460 |
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690 | 690 | | (a)1. A small employer carrier may beco me a risk-assuming 461 |
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691 | 691 | | carrier by filing with the office a designation of election 462 |
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692 | 692 | | under subsection (10) (9) in a format and manner prescribed by 463 |
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693 | 693 | | the commission. The office shall approve the election of a small 464 |
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694 | 694 | | employer carrier to become a risk -assuming carrier if the office 465 |
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695 | 695 | | finds that the carrier is capable of assuming that status 466 |
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696 | 696 | | pursuant to the criteria set forth in paragraph (b). 467 |
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697 | 697 | | 2. The office must approve or disapprove any designation 468 |
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698 | 698 | | as a risk-assuming carrier within 60 days after filing. 469 |
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699 | 699 | | (b) In determining whether to approve an application by a 470 |
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700 | 700 | | small employer carrier to become a risk -assuming carrier, the 471 |
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701 | 701 | | office shall consider: 472 |
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702 | 702 | | 1. The carrier's financial ability to support the 473 |
---|
703 | 703 | | assumption of the risk of small employer groups. 474 |
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704 | 704 | | 2. The carrier's histo ry of rating and underwriting small 475 |
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705 | 705 | | |
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706 | 706 | | HB 1233 2024 |
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707 | 707 | | |
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708 | 708 | | |
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709 | 709 | | |
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712 | 712 | | Page 20 of 30 |
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713 | 713 | | 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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714 | 714 | | |
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715 | 715 | | |
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716 | 716 | | |
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717 | 717 | | employer groups. 476 |
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718 | 718 | | 3. The carrier's commitment to market fairly to all small 477 |
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719 | 719 | | employers in the state or its service area, as applicable. 478 |
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720 | 720 | | 4. The carrier's ability to assume and manage the risk of 479 |
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721 | 721 | | enrolling small employer groups without the protection of the 480 |
---|
722 | 722 | | reinsurance program provided in subsection (12) (11). 481 |
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723 | 723 | | (c) A small employer carrier that becomes a risk -assuming 482 |
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724 | 724 | | carrier pursuant to this subsection is not subject to the 483 |
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725 | 725 | | assessment provisions of subsection (12) (11). 484 |
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726 | 726 | | (d) The office shall provide public notice of a small 485 |
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727 | 727 | | employer carrier's designation of election under subsection (10) 486 |
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728 | 728 | | (9) to become a risk-assuming carrier and shall provide at least 487 |
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729 | 729 | | a 21-day period for public comment prior to making a decision on 488 |
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730 | 730 | | the election. The office shall hold a hearing on the election at 489 |
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731 | 731 | | the request of the carrier. 490 |
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732 | 732 | | Section 10. Subsections (48), (49), and (50) are added to 491 |
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733 | 733 | | section 641.31, Florida Statutes, to read: 492 |
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734 | 734 | | 641.31 Health maintenance contracts. — 493 |
---|
735 | 735 | | (48) Any health maintenance contract delivered or issued 494 |
---|
736 | 736 | | in this state on or after July 1, 2024, which provides, for an 495 |
---|
737 | 737 | | appropriate additional premium, coverage for sex -reassignment 496 |
---|
738 | 738 | | prescriptions or procedures as defined in s. 456.001 must also 497 |
---|
739 | 739 | | provide coverage for treatment to detransition from such sex -498 |
---|
740 | 740 | | reassignment prescriptions or procedures. As used in this 499 |
---|
741 | 741 | | subsection, the term "detransition" means to reverse or attempt 500 |
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742 | 742 | | |
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743 | 743 | | HB 1233 2024 |
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744 | 744 | | |
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745 | 745 | | |
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746 | 746 | | |
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750 | 750 | | 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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751 | 751 | | |
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752 | 752 | | |
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753 | 753 | | |
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754 | 754 | | to reverse the effects of sex -reassignment prescriptions or 501 |
---|
755 | 755 | | procedures as defined i n s. 456.001. 502 |
---|
756 | 756 | | (49) A health maintenance organization that delivers or 503 |
---|
757 | 757 | | issues a health maintenance contract providing coverage 504 |
---|
758 | 758 | | described under subsection (48) must also offer a health 505 |
---|
759 | 759 | | maintenance contract that does not provide such coverage. 506 |
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760 | 760 | | (50) Any health maintenance contract delivered or issued 507 |
---|
761 | 761 | | in this state on or after July 1, 2024, may not prohibit the 508 |
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762 | 762 | | coverage of mental health or therapeutic services to treat a 509 |
---|
763 | 763 | | person's perception that his or her sex is inconsistent with the 510 |
---|
764 | 764 | | person's sex at birth b y affirming the subscriber's sex as 511 |
---|
765 | 765 | | defined in s. 456.001. 512 |
---|
766 | 766 | | Section 11. Subsection (12) is added to section 760.02, 513 |
---|
767 | 767 | | Florida Statutes, to read: 514 |
---|
768 | 768 | | 760.02 Definitions. —For the purposes of ss. 760.01 -760.11 515 |
---|
769 | 769 | | and 509.092, the term: 516 |
---|
770 | 770 | | (12) "Sex" means the clas sification of a human person as 517 |
---|
771 | 771 | | either male or female based on the organization of the body of 518 |
---|
772 | 772 | | such person for a specific reproductive role, as indicated by 519 |
---|
773 | 773 | | the person's sex chromosomes, naturally occurring sex hormones, 520 |
---|
774 | 774 | | and internal and external genitalia present at birth. 521 |
---|
775 | 775 | | Section 12. Section 760.07, Florida Statutes, is amended 522 |
---|
776 | 776 | | to read: 523 |
---|
777 | 777 | | 760.07 Remedies for unlawful discrimination. —Any violation 524 |
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778 | 778 | | of any Florida statute that makes unlawful discrimination 525 |
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779 | 779 | | |
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787 | 787 | | 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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788 | 788 | | |
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789 | 789 | | |
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790 | 790 | | |
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791 | 791 | | because of race, color, religion, sex gender, pregnancy, 526 |
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792 | 792 | | national origin, age, handicap, or marital status in the areas 527 |
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793 | 793 | | of education, employment, or public accommodations gives rise to 528 |
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794 | 794 | | a cause of action for all relief and damages described in s. 529 |
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795 | 795 | | 760.11(5), unless greater damages are expressly provided f or. If 530 |
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796 | 796 | | the statute prohibiting unlawful discrimination provides an 531 |
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797 | 797 | | administrative remedy, the action for equitable relief and 532 |
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798 | 798 | | damages provided for in this section may be initiated only after 533 |
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799 | 799 | | the plaintiff has exhausted his or her administrative remedy. 534 |
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800 | 800 | | The term "public accommodations" does not include lodge halls or 535 |
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801 | 801 | | other similar facilities of private organizations which are made 536 |
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802 | 802 | | available for public use occasionally or periodically. The right 537 |
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803 | 803 | | to trial by jury is preserved in any case in which the plaintiff 538 |
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804 | 804 | | is seeking actual or punitive damages. 539 |
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805 | 805 | | Section 13. Section 760.09, Florida Statutes, is created 540 |
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806 | 806 | | to read: 541 |
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807 | 807 | | 760.09 Construction. — 542 |
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808 | 808 | | (1) Notwithstanding any state law to the contrary, with 543 |
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809 | 809 | | respect to the identification of an individual's sex in the 544 |
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810 | 810 | | application of this chapter, the following construction applies 545 |
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811 | 811 | | and the following terms have the following meanings: 546 |
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812 | 812 | | (a) "Sex" means an individual's biological sex, either 547 |
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813 | 813 | | male or female, at birth. 548 |
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814 | 814 | | (b) "Female" means an individual whose biological 549 |
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815 | 815 | | reproductive system is developed to produce ova, and the term 550 |
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816 | 816 | | |
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817 | 817 | | HB 1233 2024 |
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818 | 818 | | |
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819 | 819 | | |
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820 | 820 | | |
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824 | 824 | | 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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825 | 825 | | |
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826 | 826 | | |
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827 | 827 | | |
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828 | 828 | | "male" means an individual whose biological reproductive system 551 |
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829 | 829 | | is developed to fertilize the ova of a female. 552 |
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830 | 830 | | (c) "Woman" and "girl" refer to human females, and the 553 |
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831 | 831 | | terms "man" and "boy" refer to human males. 554 |
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832 | 832 | | (d) "Mother" means a female parent, and the term "father" 555 |
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833 | 833 | | means a male parent. 556 |
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834 | 834 | | (e) "Equal," with respect to biological sex, does not mean 557 |
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835 | 835 | | "same" or "identical." 558 |
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836 | 836 | | (f) With respect to biological sex, separate 559 |
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837 | 837 | | accommodations are not inheren tly unequal. 560 |
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838 | 838 | | (g) An individual born with a medically verifiable 561 |
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839 | 839 | | diagnosis of a disorder in sex development must be provided 562 |
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840 | 840 | | legal protections and accommodations afforded under the 563 |
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841 | 841 | | Americans with Disabilities Act and applicable state law. 564 |
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842 | 842 | | (2) Laws and rules that distinguish between the sexes are 565 |
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843 | 843 | | subject to intermediate constitutional scrutiny. Intermediate 566 |
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844 | 844 | | constitutional scrutiny forbids unfair discrimination against 567 |
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845 | 845 | | similarly situated male and female individuals but allows the 568 |
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846 | 846 | | law to distinguish between the sexes where such distinctions are 569 |
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847 | 847 | | substantially related to important state interests. 570 |
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848 | 848 | | Notwithstanding any state law to the contrary, distinctions 571 |
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849 | 849 | | between the sexes with respect to athletics, prisons or other 572 |
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850 | 850 | | detention facilities, domestic violence she lters, rape crisis 573 |
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851 | 851 | | centers, locker rooms, restrooms, and other areas where biology, 574 |
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852 | 852 | | safety, or privacy are implicated which result in separate 575 |
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853 | 853 | | |
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854 | 854 | | HB 1233 2024 |
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855 | 855 | | |
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856 | 856 | | |
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861 | 861 | | 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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862 | 862 | | |
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863 | 863 | | |
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864 | 864 | | |
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865 | 865 | | accommodations are substantially related to the important state 576 |
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866 | 866 | | interest of protecting the health, safety, and pr ivacy of 577 |
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867 | 867 | | individuals in such circumstances. 578 |
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868 | 868 | | (3) Any school district, or public school therein, and any 579 |
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869 | 869 | | state agency, department, or office or political subdivision 580 |
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870 | 870 | | thereof that collects vital statistics for the purpose of 581 |
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871 | 871 | | complying with antidiscriminatio n laws or for the purpose of 582 |
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872 | 872 | | gathering accurate public health, crime, economic, or other data 583 |
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873 | 873 | | must identify the sex, as defined in s. 1.01(20), of each 584 |
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874 | 874 | | individual who is part of the collected data identify set. 585 |
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875 | 875 | | Section 14. Subsection (1) of section 760 .60, Florida 586 |
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876 | 876 | | Statutes, is amended to read: 587 |
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877 | 877 | | 760.60 Discriminatory practices of certain clubs 588 |
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878 | 878 | | prohibited; remedies. — 589 |
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879 | 879 | | (1) It is unlawful for A person to discriminate against 590 |
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880 | 880 | | any individual because of race, color, religion, sex gender, 591 |
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881 | 881 | | national origin, han dicap, age above the age of 21, or marital 592 |
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882 | 882 | | status in evaluating an application for membership in a club 593 |
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883 | 883 | | that has more than 400 members, that provides regular meal 594 |
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884 | 884 | | service, and that regularly receives payment for dues, fees, use 595 |
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885 | 885 | | of space, facilities, servic es, meals, or beverages directly or 596 |
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886 | 886 | | indirectly from nonmembers for business purposes. It is unlawful 597 |
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887 | 887 | | for A person, on behalf of such a club, to publish, circulate, 598 |
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888 | 888 | | issue, display, post, or mail any advertisement, notice, or 599 |
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889 | 889 | | solicitation that contains a sta tement to the effect that the 600 |
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890 | 890 | | |
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891 | 891 | | HB 1233 2024 |
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892 | 892 | | |
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893 | 893 | | |
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894 | 894 | | |
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898 | 898 | | 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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899 | 899 | | |
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900 | 900 | | |
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901 | 901 | | |
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902 | 902 | | accommodations, advantages, facilities, membership, or 601 |
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903 | 903 | | privileges of the club are denied to any individual because of 602 |
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904 | 904 | | race, color, religion, sex gender, national origin, handicap, 603 |
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905 | 905 | | age above the age of 21, or marital status. Th is subsection does 604 |
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906 | 906 | | not apply to fraternal or benevolent organizations, ethnic 605 |
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907 | 907 | | clubs, or religious organizations where business activity is not 606 |
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908 | 908 | | prevalent. 607 |
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909 | 909 | | Section 15. Subsection (4) of section 760.80, Florida 608 |
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910 | 910 | | Statutes, is amended to read: 609 |
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911 | 911 | | 760.80 Minority representation on boards, commissions, 610 |
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912 | 912 | | councils, and committees. — 611 |
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913 | 913 | | (4) Each appointing authority described in subsection (3) 612 |
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914 | 914 | | shall submit a report to the Secretary of State annually by 613 |
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915 | 915 | | December 1 which discloses the number of appointments made 614 |
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916 | 916 | | during the preceding year from each minority group and the 615 |
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917 | 917 | | number of nonminority appointments made, expressed both in 616 |
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918 | 918 | | numerical terms and as a percentage of the total membership of 617 |
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919 | 919 | | the board, commission, council, or committee. In addition, 618 |
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920 | 920 | | information must shall be included in the report detailing the 619 |
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921 | 921 | | number of physically disabled persons appointed to boards, 620 |
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922 | 922 | | commissions, councils, and committees in the previous calendar 621 |
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923 | 923 | | year. A copy of the report must shall be submitted to the 622 |
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924 | 924 | | Governor, the Speaker of the House o f Representatives, and the 623 |
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925 | 925 | | President of the Senate. In addition, each appointing authority 624 |
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926 | 926 | | shall designate a person responsible for retaining all 625 |
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927 | 927 | | |
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928 | 928 | | HB 1233 2024 |
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929 | 929 | | |
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930 | 930 | | |
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935 | 935 | | 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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936 | 936 | | |
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937 | 937 | | |
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938 | 938 | | |
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939 | 939 | | applications for appointment, who shall ensure that information 626 |
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940 | 940 | | describing each applicant's race, ethnicity, sex gender, 627 |
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941 | 941 | | physical disability, if applicable, and qualifications is 628 |
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942 | 942 | | available for public inspection during reasonable hours. Nothing 629 |
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943 | 943 | | in this section requires disclosure of an applicant's identity 630 |
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944 | 944 | | or of any other information made confidential by law. 631 |
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945 | 945 | | Section 16. Subsection (4), paragraphs (a), (e), and (g) 632 |
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946 | 946 | | of subsection (7), and paragraph (a) of subsection (8) of 633 |
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947 | 947 | | section 627.6475, Florida Statutes, are amended to read: 634 |
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948 | 948 | | 627.6475 Individual reinsurance pool. — 635 |
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949 | 949 | | (4) MAINTENANCE OF RECORDS. —Each health insurance issuer 636 |
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950 | 950 | | that offers individual health insurance must maintain at its 637 |
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951 | 951 | | principal place of business a complete and detailed description 638 |
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952 | 952 | | of its rating practices and renewal practices, as required for 639 |
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953 | 953 | | small employer carriers pursuant to s. 627.6699(9) s. 640 |
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954 | 954 | | 627.6699(8). 641 |
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955 | 955 | | (7) INDIVIDUAL HEALTH REINSURANCE PROGRAM. — 642 |
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956 | 956 | | (a) The individual health reinsurance program shall 643 |
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957 | 957 | | operate subject to the supervision and control of the board of 644 |
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958 | 958 | | the small employer health reinsurance program established 645 |
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959 | 959 | | pursuant to s. 627.6699(12) s. 627.6699(11). The board shall 646 |
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960 | 960 | | establish a separate, segregated account for eligible 647 |
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961 | 961 | | individuals reinsured pursuant to this section, which account 648 |
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962 | 962 | | may not be commingled with the small employer health reinsurance 649 |
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963 | 963 | | account. 650 |
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964 | 964 | | |
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965 | 965 | | HB 1233 2024 |
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966 | 966 | | |
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967 | 967 | | |
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972 | 972 | | 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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973 | 973 | | |
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974 | 974 | | |
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975 | 975 | | |
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976 | 976 | | (e)1. Before March 1 of each calendar year, the board 651 |
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977 | 977 | | shall determine and report to the office the program net loss in 652 |
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978 | 978 | | the individual account for the previous year, including 653 |
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979 | 979 | | administrative expenses for that year and the incurred losses 654 |
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980 | 980 | | for that year, taking into account in vestment income and other 655 |
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981 | 981 | | appropriate gains and losses. 656 |
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982 | 982 | | 2. Any net loss in the individual account for the year 657 |
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983 | 983 | | shall be recouped by assessing the carriers as follows: 658 |
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984 | 984 | | a. The operating losses of the program shall be assessed 659 |
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985 | 985 | | in the following order subje ct to the specified limitations. The 660 |
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986 | 986 | | first tier of assessments shall be made against reinsuring 661 |
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987 | 987 | | carriers in an amount that may not exceed 5 percent of each 662 |
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988 | 988 | | reinsuring carrier's premiums for individual health insurance. 663 |
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989 | 989 | | If such assessments have been collect ed and additional moneys 664 |
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990 | 990 | | are needed, the board shall make a second tier of assessments in 665 |
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991 | 991 | | an amount that may not exceed 0.5 percent of each carrier's 666 |
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992 | 992 | | health benefit plan premiums. 667 |
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993 | 993 | | b. Except as provided in paragraph (f), risk -assuming 668 |
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994 | 994 | | carriers are exempt from all assessments authorized pursuant to 669 |
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995 | 995 | | this section. The amount paid by a reinsuring carrier for the 670 |
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996 | 996 | | first tier of assessments shall be credited against any 671 |
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997 | 997 | | additional assessments made. 672 |
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998 | 998 | | c. The board shall equitably assess reinsuring carriers 673 |
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999 | 999 | | for operating losses of the individual account based on market 674 |
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1000 | 1000 | | share. The board shall annually assess each carrier a portion of 675 |
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1001 | 1001 | | |
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1002 | 1002 | | HB 1233 2024 |
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1003 | 1003 | | |
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1004 | 1004 | | |
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1009 | 1009 | | 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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1010 | 1010 | | |
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1011 | 1011 | | |
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1012 | 1012 | | |
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1013 | 1013 | | the operating losses of the individual account. The first tier 676 |
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1014 | 1014 | | of assessments shall be determined by multiplying the operating 677 |
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1015 | 1015 | | losses by a fraction, the numerator of which equals the 678 |
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1016 | 1016 | | reinsuring carrier's earned premium pertaining to direct 679 |
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1017 | 1017 | | writings of individual health insurance in the state during the 680 |
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1018 | 1018 | | calendar year for which the assessment is levied, and the 681 |
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1019 | 1019 | | denominator of which equals t he total of all such premiums 682 |
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1020 | 1020 | | earned by reinsuring carriers in the state during that calendar 683 |
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1021 | 1021 | | year. The second tier of assessments shall be based on the 684 |
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1022 | 1022 | | premiums that all carriers, except risk -assuming carriers, 685 |
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1023 | 1023 | | earned on all health benefit plans written i n this state. The 686 |
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1024 | 1024 | | board may levy interim assessments against reinsuring carriers 687 |
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1025 | 1025 | | to ensure the financial ability of the plan to cover claims 688 |
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1026 | 1026 | | expenses and administrative expenses paid or estimated to be 689 |
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1027 | 1027 | | paid in the operation of the plan for the calendar yea r prior to 690 |
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1028 | 1028 | | the association's anticipated receipt of annual assessments for 691 |
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1029 | 1029 | | that calendar year. Any interim assessment is due and payable 692 |
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1030 | 1030 | | within 30 days after receipt by a carrier of the interim 693 |
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1031 | 1031 | | assessment notice. Interim assessment payments shall be credit ed 694 |
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1032 | 1032 | | against the carrier's annual assessment. Health benefit plan 695 |
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1033 | 1033 | | premiums and benefits paid by a carrier that are less than an 696 |
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1034 | 1034 | | amount determined by the board to justify the cost of collection 697 |
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1035 | 1035 | | may not be considered for purposes of determining assessments. 698 |
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1036 | 1036 | | d. Subject to the approval of the office, the board shall 699 |
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1037 | 1037 | | adjust the assessment formula for reinsuring carriers that are 700 |
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1038 | 1038 | | |
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1039 | 1039 | | HB 1233 2024 |
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1040 | 1040 | | |
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1041 | 1041 | | |
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1046 | 1046 | | 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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1047 | 1047 | | |
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1048 | 1048 | | |
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1049 | 1049 | | |
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1050 | 1050 | | approved as federally qualified health maintenance organizations 701 |
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1051 | 1051 | | by the Secretary of Health and Human Services pursuant to 42 702 |
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1052 | 1052 | | U.S.C. s. 300e(c)(2)(A) to the extent, if any, that restrictions 703 |
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1053 | 1053 | | are placed on them which are not imposed on other carriers. 704 |
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1054 | 1054 | | 3. Before March 1 of each year, the board shall determine 705 |
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1055 | 1055 | | and file with the office an estimate of the assessments needed 706 |
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1056 | 1056 | | to fund the losses incurred by the program in the individual 707 |
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1057 | 1057 | | account for the previous calendar year. 708 |
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1058 | 1058 | | 4. If the board determines that the assessments needed to 709 |
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1059 | 1059 | | fund the losses incurred by the program in the individual 710 |
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1060 | 1060 | | account for the previous calendar year will exceed the amount 711 |
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1061 | 1061 | | specified in subparagraph 2., the board shall evaluate the 712 |
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1062 | 1062 | | operation of the program and report its findings and 713 |
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1063 | 1063 | | recommendations to the office in the format established in s. 714 |
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1064 | 1064 | | 627.6699(12) s. 627.6699(11) for the comparable report for the 715 |
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1065 | 1065 | | small employer reinsurance program. 716 |
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1066 | 1066 | | (g) Except as otherwise provided in this section, the 717 |
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1067 | 1067 | | board and the office shall have all powers, duties, and 718 |
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1068 | 1068 | | responsibilities with respect to carriers that issue and 719 |
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1069 | 1069 | | reinsure individual health insurance, as specified for the boa rd 720 |
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1070 | 1070 | | and the office in s. 627.6699(12) s. 627.6699(11) with respect 721 |
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1071 | 1071 | | to small employer carriers, including, but not limited to, the 722 |
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1072 | 1072 | | provisions of s. 627.6699(12) s. 627.6699(11) relating to: 723 |
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1073 | 1073 | | 1. Use of assessments that exceed the amount of actual 724 |
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1074 | 1074 | | losses and expenses. 725 |
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1075 | 1075 | | |
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1076 | 1076 | | HB 1233 2024 |
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1077 | 1077 | | |
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1078 | 1078 | | |
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1079 | 1079 | | |
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1083 | 1083 | | 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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1084 | 1084 | | |
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1085 | 1085 | | |
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1086 | 1086 | | |
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1087 | 1087 | | 2. The annual determination of each carrier's proportion 726 |
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1088 | 1088 | | of the assessment. 727 |
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1089 | 1089 | | 3. Interest for late payment of assessments. 728 |
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1090 | 1090 | | 4. Authority for the office to approve deferment of an 729 |
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1091 | 1091 | | assessment against a carrier. 730 |
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1092 | 1092 | | 5. Limited immunity from legal a ctions or carriers. 731 |
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1093 | 1093 | | 6. Development of standards for compensation to be paid to 732 |
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1094 | 1094 | | agents. Such standards shall be limited to those specifically 733 |
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1095 | 1095 | | enumerated in s. 627.6699(13)(d) s. 627.6699(12)(d). 734 |
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1096 | 1096 | | 7. Monitoring compliance by carriers with this section. 735 |
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1097 | 1097 | | (8) STANDARDS TO ASSURE FAIR MARKETING. — 736 |
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1098 | 1098 | | (a) Each health insurance issuer that offers individual 737 |
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1099 | 1099 | | health insurance shall actively market coverage to eligible 738 |
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1100 | 1100 | | individuals in the state. The provisions of s. 627.6699(13) s. 739 |
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1101 | 1101 | | 627.6699(12) that apply to small e mployer carriers that market 740 |
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1102 | 1102 | | policies to small employers shall also apply to health insurance 741 |
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1103 | 1103 | | issuers that offer individual health insurance with respect to 742 |
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1104 | 1104 | | marketing policies to individuals. 743 |
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1105 | 1105 | | Section 17. If any provision of this act or the 744 |
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1106 | 1106 | | application thereof to any person or circumstance is held 745 |
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1107 | 1107 | | invalid, the invalidity does not affect other provisions or 746 |
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1108 | 1108 | | applications of the act which can be given effect without the 747 |
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1109 | 1109 | | invalid provision or application, and to this end the provisions 748 |
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1110 | 1110 | | of this act are declare d severable. 749 |
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1111 | 1111 | | Section 18. This act shall take effect July 1, 2024. 750 |
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