Florida SB 440: Florida Employee Health Choices Program

Bill Text

440 
Florida Employee Health Choices Program 
2025-11-07T11:40:20Z 
Renaming the “Florida Health Choices Program” as the “Florida Employee Health Choices Program”; revising eligibility and participation requirements for vendors under the program; revising the types of health insurance products that are available for purchase through the program; deleting exemptions from certain requirements of the Florida Insurance Code under the program, etc. 
Original Filed Version 
2026 
S 
2026-07-01T00:00:00Z 
GB 
General Bill 
__ 

 Florida Senate - 2026 SB 440 

 By Senator Leek 

 7-00343-26 2026440__ 
 1 A bill to be entitled 
 2 An act relating to the Florida Employee Health Choices 
 3 Program; amending s. 408.910, F.S.; renaming the 
 4 “Florida Health Choices Program” as the “Florida 
 5 Employee Health Choices Program”; revising legislative 
 6 findings and intent; revising definitions; revising 
 7 the purpose and components of the program; revising 
 8 eligibility and participation requirements for vendors 
 9 under the program; revising the types of health 
 10 insurance products that are available for purchase 
 11 through the program; deleting certain pricing 
 12 transparency requirements to conform to changes made 
 13 by the act; revising the structure of the insurance 
 14 marketplace process under the program; deleting the 
 15 option for risk pooling under the program; deleting 
 16 exemptions from certain requirements of the Florida 
 17 Insurance Code under the program; renaming the 
 18 corporation administering the program as “Florida 
 19 Employee Health Choices, Inc.”; revising membership of 
 20 the board of directors; authorizing the corporation to 
 21 exercise certain powers; revising duties of the board 
 22 and the corporation; revising the fiscal year in which 
 23 the corporation’s annual report is due; amending ss. 
 24 409.821, 409.9122, and 409.977, F.S.; conforming 
 25 provisions to changes made by the act; providing an 
 26 effective date. 
 27 
 28 Be It Enacted by the Legislature of the State of Florida: 
 29 
 30 Section 1. Section 408.910, Florida Statutes, is amended to 
 31 read: 
 32 408.910 Florida Employee Health Choices Program.— 
 33 (1) LEGISLATIVE INTENT.—The Legislature finds that a 
 34 significant number of employers and employees in the residents 
 35 of this state do not have adequate access to affordable, quality 
 36 health insurance that meets their needs care. The Legislature 
 37 further finds that individual coverage health reimbursement 
 38 arrangements offer a novel way for employers of any size to give 
 39 health care contributions directly to employees to empower them 
 40 to choose their own health plan in a broad marketplace based on 
 41 individual financial needs and health factors. The Legislature 
 42 further finds that increasing access to affordable, quality 
 43 health care through individual coverage health reimbursement 
 44 arrangements can be best accomplished by establishing a 
 45 competitive marketplace market for employees who receive 
 46 employer premium contributions through individual coverage 
 47 health reimbursement arrangements purchasing health insurance 
 48 and health services. It is therefore the intent of the 
 49 Legislature to create the Florida Employee Health Choices 
 50 Program to do the following: 
 51 (a) Expand opportunities for employers and employees 
 52 Floridians to access purchase affordable health insurance in 
 53 this state and health services. 
 54 (b) Create a platform that streamlines the purchase of 
 55 individual coverage for employees enrolled in individual 
 56 coverage health reimbursement arrangements Preserve the benefits 
 57 of employment-sponsored insurance while easing the 
 58 administrative burden for employers who offer these benefits. 
 59 (c) Enable individual choice in both the manner and amount 
 60 of health care purchased. 
 61 (d) Provide for the purchase of individual, portable health 
 62 care coverage. 
 63 (e) Disseminate information to employers and employees 
 64 about individual coverage health reimbursement arrangements 
 65 consumers on the price and quality of health services. 
 66 (f) Sponsor a competitive marketplace market that 
 67 stimulates product innovation, quality improvement, and 
 68 efficiency in the production and delivery of individual health 
 69 insurance plans to employees enrolled in individual coverage 
 70 health reimbursement arrangements health services. 
 71 (2) DEFINITIONS.—As used in this section, the term: 
 72 (a) “Corporation” means the Florida Employee Health 
 73 Choices, Inc., established under this section. 
 74 (b) “Corporation’s marketplace” means the single, 
 75 centralized market established by the program which that 
 76 facilitates the purchase of products made available in the 
 77 marketplace. 
 78 (c) “Health insurance agent” means an agent licensed under 
 79 part IV of chapter 626. 
 80 (d) “Insurer” means an entity licensed