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Florida Statute 627.651 - Full Text and Legal Analysis
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The 2025 Florida Statutes

Title XXXVII
INSURANCE
Chapter 627
INSURANCE RATES AND CONTRACTS
View Entire Chapter
F.S. 627.651
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.
(c) Insuring or providing benefits only to individuals otherwise having an insurable interest in each other’s lives.
(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.

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Amendments to 627.651


Annotations, Discussions, Cases:

Cases Citing Statute 627.651

Total Results: 12

State, Dept. of Ins. v. Ins. Services Office

434 So. 2d 908

District Court of Appeal of Florida | Filed: May 3, 1983 | Docket: 2534128

Cited 18 times | Published

discriminatory" is not defined in the Code. However, Section 627.0651, Florida Statutes (1979) (also implemented

GLENDALE FED. S & L v. State, Dept. of Ins.

485 So. 2d 1321

District Court of Appeal of Florida | Filed: Mar 13, 1986 | Docket: 1276442

Cited 14 times | Published

injunctive relief as well as a declaration that section 627.0651, under which the department acted, was facially

City of Jacksonville v. Smith

159 So. 3d 888, 2015 Fla. App. LEXIS 2703, 2015 WL 798154

District Court of Appeal of Florida | Filed: Feb 26, 2015 | Docket: 60246704

Cited 10 times | Published

fundamental fairness and due process.”). . See, e.g., § 627.0651(10), Fla. Stat. (insurer or rating organization

FLORIDA AUTO. DEALERS INDUSTRY v. Small

592 So. 2d 1179, 1992 WL 12798

District Court of Appeal of Florida | Filed: Jan 15, 1992 | Docket: 1428470

Cited 10 times | Published

insurance policy to its insureds. We note that section 627.651(5), which is placed under Part VII, while providing

Criterion Ins. Co. v. ST. DEPT. OF INS

458 So. 2d 22

District Court of Appeal of Florida | Filed: Oct 11, 1984 | Docket: 1733151

Cited 10 times | Published

upholding the facial constitutionality of Section 627.0651(10), Florida Statutes (1982), and dismissing

DEPT. OF INS., ETC. v. Teachers Ins. Co.

404 So. 2d 735

Supreme Court of Florida | Filed: Jul 23, 1981 | Docket: 1783295

Cited 10 times | Published

excessive motor vehicle insurance rates by a new section 627.0651, Florida Statutes. The relationship, if any

Continental Casualty Co. v. First Financial Employee Leasing, Inc.

716 F. Supp. 2d 1176, 2010 U.S. Dist. LEXIS 55642

District Court, M.D. Florida | Filed: Jun 3, 2010 | Docket: 2404395

Cited 8 times | Published

of a claim alleging a violation of Fla. Stat. § 627.0651(12), which prohibits insurance companies from

Progressive Express Ins. Co. v. Reaume

937 So. 2d 1120, 2006 WL 2088264

District Court of Appeal of Florida | Filed: Jul 28, 2006 | Docket: 1513143

Cited 7 times | Published

inadequate, or unfairly discriminatory" pursuant to section 627.0651(2), Florida Statutes (2002). Therefore, Progressive

State Farm Mut. Auto. v. Gibbons

860 So. 2d 1050, 2003 Fla. App. LEXIS 18442, 2003 WL 22867751

District Court of Appeal of Florida | Filed: Dec 5, 2003 | Docket: 454612

Cited 5 times | Published

alleging that State Farm had not complied with section 627.0651(12), Florida Statutes (2002), which prohibits

United Healthcare Services, Inc. v. Sanctuary Surgical Centre, Inc.

5 F. Supp. 3d 1350, 2014 U.S. Dist. LEXIS 28824, 2014 WL 888644

District Court, S.D. Florida | Filed: Mar 6, 2014 | Docket: 64293751

Cited 3 times | Published

individual employer in accordance with ERISA. § 627.651(4), Fla. Stat. Here, the defendants maintain that

Ago

Florida Attorney General Reports | Filed: May 30, 2001 | Docket: 3257287

Published

though it is not subject to the act, does section 627.651(4), Florida Statutes, exempt the Fund from

Department of Insurance v. Teachers Insurance

404 So. 2d 735

Supreme Court of Florida | Filed: Jul 23, 1981 | Docket: 64585479

Published

excessive motor vehicle insurance rates by a new section 627.0651, Florida Statutes. The relationship, if any