Florida Statute 627.651 - Full Text and Legal Analysis

627.651 Group contracts and plans of self-insurance must meet group requirements.—

(1) Except as otherwise provided by law, a group health insurance policy or certificate insuring more than one individual delivered or issued for delivery in this state must be delivered or issued for delivery to one of the groups provided for in ss. 627.653-627.656. A plan of self-insurance providing health coverage benefits to residents of this state must comply with s. 627.419 and the applicable provisions of this part relating to the rights of individuals to specified benefits and coverages.

(2) Subsection (1) does not apply to health insurance policies or plans of self-insurance:

(a) Insuring or providing benefits only to individuals related by blood, marriage, or legal adoption.

(b) Insuring or providing benefits only to individuals who have a common interest through ownership of a business enterprise, or a substantial legal interest or equity in the business enterprise, and who are actively engaged in the management of the business enterprise.

(d) Issued as blanket insurance pursuant to s. 627.659.

(3) A nongovernmental self-insurance plan for health benefits may not be contributory by participants.

(4) This section does not apply to any plan which is established or maintained by an individual employer in accordance with the Employee Retirement Income Security Act of 1974, Pub. L. No. 93-406, or to a multiple-employer welfare arrangement as defined in s. 624.437(1), except that a multiple-employer welfare arrangement shall comply with ss. 627.419, 627.657, 627.6575, 627.6578, 627.6579, 627.6612, 627.66121, 627.66122, 627.6615, 627.6616, and 627.662(7). This subsection does not allow an authorized insurer to issue a group health insurance policy or certificate which does not comply with this part.

History.—s. 584, ch. 59-205; s. 3, ch. 76-168; s. 1, ch. 77-457; ss. 4, 10, ch. 80-341; ss. 2, 3, ch. 81-318; ss. 498, 500, 523, 809(2nd), ch. 82-243; ss. 62, 79, ch. 82-386; s. 6, ch. 83-203; s. 1, ch. 83-213; s. 17, ch. 83-288; s. 1, ch. 84-50; s. 4, ch. 86-122; s. 1, ch. 90-255; ss. 61, 114, ch. 92-318; s. 26, ch. 95-211; s. 5, ch. 97-48; s. 82, ch. 2000-154; s. 6, ch. 2002-389.

Cases Citing F.S. 627.651

Fla. Stat. § 627.651 (2026) Copy Cite Official Site Syfertize CourtListener Amendments
12 resultsSort: Relevance · Newest · Treatment
Copy
·State, Dept. of Ins. v. Ins. Servs. Off., 434 So. 2d 908 (Fla. 1st DCA 1983).
Cited 18 times | Published | Florida 1st District Court of Appeal
discriminatory" is not defined in the Code. However, Section 627.0651, Florida Statutes (1979) (also implemented
0 red0 yellow10 green3 procedural
Cited as authority(citing case) (2014)
phrase: "rule_authority"
Cited as authority(citing case) (2001)
phrase: "rule_authority"
Cited as authorityGmc (1993)
phrase: "rule_authority"
Open case for full Syfertize analysis →
Copy
·GLENDALE FED. S & L v. State, Dept. of Ins., 485 So. 2d 1321 (Fla. 1st DCA 1986).
Cited 14 times | Published | Florida 1st District Court of Appeal
injunctive relief as well as a declaration that section 627.0651, under which the department acted, was facially
0 red0 yellow9 green5 procedural
Cited as authority(citing case) (2018)
phrase: "rule_authority"
Cited as authority(citing case) (2015)
phrase: "rule_authority"
Cited as authorityGonzalez (2008)
phrase: "rule_authority"
Open case for full Syfertize analysis →
Copy
·City of Jacksonville v. Smith, 159 So. 3d 888 (Fla. 1st DCA 2015).
Cited 10 times | Published | Florida 1st District Court of Appeal | 2015 Fla. App. LEXIS 2703, 2015 WL 798154
fundamental fairness and due process.”). . See, e.g., § 627.0651(10), Fla. Stat. (insurer or rating organization
0 red2 yellow7 green0 procedural
Limited(citing case) (2020)
phrase: "limited by"
Declined to follow(citing case) (2015)
phrase: "decline to follow"
Cited as authority(citing case) (2025)
phrase: "rule_authority"
Open case for full Syfertize analysis →
Copy
·Criterion Ins. Co. v. ST. DEPT. OF INS, 458 So. 2d 22 (Fla. 1st DCA 1984).
Cited 10 times | Published | Florida 1st District Court of Appeal
upholding the facial constitutionality of Section 627.0651(10), Florida Statutes (1982), and dismissing
0 red0 yellow6 green0 procedural
Cited as authority(citing case) (2015)
phrase: "rule_authority"
Cited as authority(citing case) (2000)
phrase: "rule_authority"
Cited as authorityPringle (1999)
phrase: "rule_authority"
Open case for full Syfertize analysis →
Copy
·Florida Auto. Dealers Indus. v. Small, 592 So. 2d 1179 (Fla. 1st DCA 1992).
Cited 10 times | Published | Florida 1st District Court of Appeal | 1992 WL 12798
...t the placement of MEWAs therein excludes MEWAs from the provisions of Part VII, particularly in that it appears that the purpose of the health plan before us was to offer the benefits of a group health insurance policy to its insureds. We note that section 627.651(5), which is placed under Part VII, while providing "[t]his section," relating to the requirements applicable to group contracts and plans of self-insurance, is inapplicable to MEWAs, nonetheless subsection (5) also states that MEWAs must comply with the provisions of certain statutes referenced therein....
0 red0 yellow6 green0 procedural
Cited as authorityTalbott (2006)
phrase: "rule_authority"
Cited as authorityForum (2005)
phrase: "rule_authority"
Cited as authorityHerrera (2000)
phrase: "rule_authority"
Open case for full Syfertize analysis →
Copy
·Cont'l Cas. Co. v. First Fin. Emp. Leasing, Inc., 716 F. Supp. 2d 1176 (M.D. Fla. 2010).
Cited 8 times | Published | District Court, M.D. Florida | 2010 U.S. Dist. LEXIS 55642
of a claim alleging a violation of Fla. Stat. § 627.0651(12), which prohibits insurance companies from
0 red0 yellow6 green0 procedural
Cited as authority(citing case) (2025)
phrase: "rule_authority"
Cited as authorityGreer (2023)
phrase: "rule_authority"
Cited as authorityA.M. (2022)
phrase: "rule_authority"
Open case for full Syfertize analysis →
Copy
·Progressive Express Ins. Co. v. Reaume, 937 So. 2d 1120 (Fla. 2d DCA 2006).
Cited 7 times | Published | Florida 2nd District Court of Appeal | 2006 WL 2088264
inadequate, or unfairly discriminatory" pursuant to section 627.0651(2), Florida Statutes (2002). Therefore, Progressive
0 red0 yellow5 green1 procedural
Cited as authorityPesta (2016)
phrase: "rule_authority"
Approved(citing case) (2010)
phrase: "approved by"
Cited as authorityAbels (2009)
phrase: "rule_authority"
Open case for full Syfertize analysis →
Copy
DEPT. OF INS., ETC. v. Teachers Ins. Co., 404 So. 2d 735 (Fla. 1981).
Cited 10 times | Published | Supreme Court of Florida
excessive motor vehicle insurance rates by a new section 627.0651, Florida Statutes. The relationship, if any
Copy
·United Healthcare Servs., Inc. v. Sanctuary Surgical Centre, Inc., 5 F. Supp. 3d 1350 (S.D. Fla. 2014).
Cited 3 times | Published | District Court, S.D. Florida | 2014 U.S. Dist. LEXIS 28824, 2014 WL 888644
...In contrast, group health policies are governed by the provisions of Part VII of Chapter 627, Florida Statutes, “Group, Blanket and Franchise Health Insurance Policies,” which specifically excepts from the scope of its application any plan established or maintained by an individual employer in accordance with ERISA. § 627.651(4), Fla....
0 red0 yellow4 green0 procedural
Cited as authority(citing case) (2025)
phrase: "rule_authority"
Cited as authorityGupta (2021)
phrase: "rule_authority"
Cited as authority(citing case) (2019)
phrase: "rule_authority"
Open case for full Syfertize analysis →
Copy
·State Farm Mut. Auto. v. Gibbons, 860 So. 2d 1050 (Fla. 5th DCA 2003).
Cited 5 times | Published | Florida 5th District Court of Appeal | 2003 Fla. App. LEXIS 18442, 2003 WL 22867751
alleging that State Farm had not complied with section 627.0651(12), Florida Statutes (2002), which prohibits
0 red0 yellow1 green0 procedural
Cited as authority(citing case) (2018)
phrase: "rule_authority"
Open case for full Syfertize analysis →
Copy
·Dep't of Ins. v. Teachers Ins., 404 So. 2d 735 (Fla. 1981).
Published | Supreme Court of Florida
excessive motor vehicle insurance rates by a new section 627.0651, Florida Statutes. The relationship, if any
0 red0 yellow4 green0 procedural
Cited as authority(citing case) (1990)
phrase: "rule_authority"
Cited as authorityHattaway (1990)
phrase: "rule_authority"
Cited as authority(citing case) (1985)
phrase: "rule_authority"
Open case for full Syfertize analysis →
Copy
Ago (Fla. Att'y Gen. 2001).
Published | Florida Attorney General Reports
though it is not subject to the act, does section 627.651(4), Florida Statutes, exempt the Fund from

This Florida statute resource is curated by this site's author, a Jacksonville, Florida personal injury and workers' compensation attorney (Florida Bar No. 39104). Attorney Syfert regularly handles Chapter 627 matters in the context of insurance coverage law and represents clients throughout Northeast Florida. For legal consultation, call 904-383-7448.

Florida/Georgia Personal Injury & Workers Compensation

Cases Citing F.S. 627.651

·State, Dept. of Ins. v. Ins. Servs. Off., 434 So. 2d 908 (Fla. 1st DCA 1983).

·GLENDALE FED. S & L v. State, Dept. of Ins., 485 So. 2d 1321 (Fla. 1st DCA 1986).

·City of Jacksonville v. Smith, 159 So. 3d 888 (Fla. 1st DCA 2015).

·Criterion Ins. Co. v. ST. DEPT. OF INS, 458 So. 2d 22 (Fla. 1st DCA 1984).

·Florida Auto. Dealers Indus. v. Small, 592 So. 2d 1179 (Fla. 1st DCA 1992).

·Cont'l Cas. Co. v. First Fin. Emp. Leasing, Inc., 716 F. Supp. 2d 1176 (M.D. Fla. 2010).

·Progressive Express Ins. Co. v. Reaume, 937 So. 2d 1120 (Fla. 2d DCA 2006).

DEPT. OF INS., ETC. v. Teachers Ins. Co., 404 So. 2d 735 (Fla. 1981).

·United Healthcare Servs., Inc. v. Sanctuary Surgical Centre, Inc., 5 F. Supp. 3d 1350 (S.D. Fla. 2014).

·State Farm Mut. Auto. v. Gibbons, 860 So. 2d 1050 (Fla. 5th DCA 2003).

·Dep't of Ins. v. Teachers Ins., 404 So. 2d 735 (Fla. 1981).

Ago (Fla. Att'y Gen. 2001).