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Fla. Stat. ch. 627 — INSURANCE RATES AND CONTRACTS · BenchPath

The Florida Statutes

Chapter 627. INSURANCE RATES AND CONTRACTS

2026 Florida Statutes. Published by The Florida Legislature (Online Sunshine).

Florida
Law Library
The Florida Statutes
Title XXXVII
Chapter 627

Search the text

Words from the text, or a citation such as § 90.803 or Fla. R. Civ. P. 1.510

Part I. RATES AND RATING ORGANIZATIONS

§ 627.011Short title.
§ 627.021Scope of this part.
§ 627.031Purposes of this part; interpretation.
§ 627.041Definitions.
§ 627.0612Administrative proceedings in rating determinations.
§ 627.0613Consumer advocate.
§ 627.062Rate standards.
§ 627.0621Transparency in rate regulation.
§ 627.0625Commercial property and casualty risk management plans.
§ 627.0628Florida Commission on Hurricane Loss Projection Methodology; public meetings exemption.
§ 627.06281Public hurricane loss projection model; reporting of data by insurers.
§ 627.0629Residential property insurance; rate filings.
§ 627.06291Excess profits of residential property insurer; return.
§ 627.06292Reports of hurricane loss data and associated exposure data; public records exemption.
§ 627.0645Annual filings.
§ 627.06501Insurance discounts for certain persons completing driver improvement course.
§ 627.0651Making and use of rates for motor vehicle insurance.
§ 627.0652Insurance discounts for certain persons completing safety course.
§ 627.0653Insurance discounts for specified motor vehicle equipment.
§ 627.06535Electric vehicles; restrictions on imposing surcharges.
§ 627.0654Insurance discounts for buildings with fire sprinklers.
§ 627.0655Policyholder loss or expense-related premium discounts.
§ 627.066Excessive profits for motor vehicle insurance prohibited.
§ 627.0665Automatic bank withdrawal agreements; notification required.
§ 627.072Making and use of rates.
§ 627.091Rate filings; workers’ compensation and employer’s liability insurances.
§ 627.0915Rate filings; workers’ compensation, drug-free workplace, and safe employers.
§ 627.0916Agricultural horse farms.
§ 627.092Workers’ Compensation Administrator.
§ 627.093Application of s. 286.011 to workers’ compensation and employer’s liability insurances.
§ 627.096Workers’ Compensation Rating Bureau.
§ 627.101When filing becomes effective; workers’ compensation and employer’s liability insurances.
§ 627.111Effective date of filing.
§ 627.141Subsequent disapproval of filing; workers’ compensation and employer’s liability insurances.
§ 627.151Basis of approval or disapproval of workers’ compensation or employer’s liability insurance filing; scope of disapproval power.
§ 627.1615Workers’ compensation applicant discrimination.
§ 627.162Requirements for premium installments; delinquency, collection, and check return charges; attorney’s fees.
§ 627.171Excess rates.
§ 627.191Adherence to filings; workers’ compensation and employer’s liability insurances.
§ 627.192Workers’ compensation insurance; employee leasing arrangements.
§ 627.211Deviations; workers’ compensation and employer’s liability insurances.
§ 627.212Workplace safety program surcharge.
§ 627.215Excessive profits for commercial property and commercial casualty insurance prohibited.
§ 627.221Rating organizations; licensing; fee.
§ 627.231Subscribers to rating organizations.
§ 627.241Notice of changes.
§ 627.251Bureau rules not to affect dividends.
§ 627.261Actuarial and technical services.
§ 627.281Appeal from rating organization; workers’ compensation and employer’s liability insurance filings.
§ 627.285Independent actuarial peer review of workers’ compensation rating organization.
§ 627.291Information to be furnished insureds; appeal by insureds; workers’ compensation and employer’s liability insurances.
§ 627.301Advisory organizations.
§ 627.311Joint underwriters and joint reinsurers; public records and public meetings exemptions.
§ 627.312Transitional provisions.
§ 627.3121Public records and public meetings exemptions.
§ 627.313Workers’ Compensation Joint Underwriting Plan; audit requirements.
§ 627.314Concerted action by two or more insurers.
§ 627.318Records.
§ 627.331Recording and reporting of loss, expense, and claims experience; rating information.
§ 627.351Insurance risk apportionment plans.
§ 627.3511Depopulation of Citizens Property Insurance Corporation.
§ 627.3512Recoupment of residual market deficit assessments.
§ 627.3513Standards for sale of bonds by Citizens Property Insurance Corporation.
§ 627.3515Market assistance plan; property and casualty risks.
§ 627.3517Consumer choice.
§ 627.3518Citizens Property Insurance Corporation policyholder eligibility clearinghouse program.
§ 627.35191Required reports.
§ 627.35193Consumer reporting agency request for claims data from Citizens Property Insurance Corporation.
§ 627.357Medical malpractice self-insurance.
§ 627.361False or misleading information.
§ 627.371Hearings.
§ 627.381Penalty for violation.

Part II. THE INSURANCE CONTRACT

§ 627.401Scope of this part.
§ 627.402Definitions.
§ 627.4025Residential coverage and hurricane coverage defined.
§ 627.403“Premium” defined.
§ 627.4035Payment of premiums; claims.
§ 627.404Insurable interest; personal insurance.
§ 627.405Insurable interest; property.
§ 627.406Power to contract; purchase of insurance by or for minor.

Part III. LIFE INSURANCE AND ANNUITY CONTRACTS

§ 627.451Scope of this part.
§ 627.452Standard provisions required.
§ 627.453Grace period.
§ 627.454Entire contract; statements in application.
§ 627.455Incontestability.
§ 627.4553Recommendations to surrender.
§ 627.4554Suitability in annuity transactions.
§ 627.4555Secondary notice.
§ 627.4556

Part IV. INDUSTRIAL LIFE INSURANCEPOLICIES

§ 627.501Scope of this part.
§ 627.502“Industrial life insurance” defined; reporting; prohibition on new policies after a certain date.
§ 627.503Required provisions.
§ 627.504Grace period.
§ 627.5045Secondary notice.
§ 627.505Entire contract; statements in application.
§ 627.506Incontestability.
§ 627.507Misstatement of age or sex.

Part V. GROUP LIFE INSURANCE POLICIES

§ 627.551Group contracts and plans of self-insurance must meet group requirements.
§ 627.5515Out-of-state groups.
§ 627.552Employee groups.
§ 627.553Debtor groups.
§ 627.554Labor union groups.
§ 627.555Trustee groups.
§ 627.556Credit union groups.
§ 627.5565Additional groups.
§ 627.5567

Part VI. HEALTH INSURANCE POLICIES

§ 627.601Scope of this part.
§ 627.6011Mandated coverages.
§ 627.602Scope, format of policy.
§ 627.603Death benefits.
§ 627.604Nonresident insured.
§ 627.6041Children with disabilities; continuation of coverage.
§ 627.6043Notification of cancellation, nonrenewal, or change in rates.
§ 627.6044Use of a specific methodology for payment of claims.

Part VII. GROUP, BLANKET, AND FRANCHISEHEALTH INSURANCE POLICIES

§ 627.651Group contracts and plans of self-insurance must meet group requirements.
§ 627.6512Exemption of certain group health insurance policies.
§ 627.6513Scope.
§ 627.6515Out-of-state groups.
§ 627.6516Trustee groups.
§ 627.652Group health insurance; definitions.
§ 627.6525Short-term health insurance.
§ 627.653Employee groups.

Part VIII. MEDICARE SUPPLEMENT POLICIES

§ 627.671Medicare supplement reform; short title.
§ 627.672Definitions.
§ 627.673Designation as Medicare supplement policy; penalties for violations.
§ 627.6735Order to discontinue certain advertising.
§ 627.6736Filing requirements for out-of-state group policies.
§ 627.6737Reporting of multiple policies.
§ 627.674Minimum standards; filing requirements.
§ 627.6741Issuance, cancellation, nonrenewal, and replacement.

Part IX. CREDIT LIFE AND DISABILITYINSURANCES

§ 627.676Scope of this part.
§ 627.677Definitions.
§ 627.678Rules.
§ 627.6785Filing of rates with department.
§ 627.679Amount of insurance; disclosure.
§ 627.681Term and evidence of insurance.
§ 627.682Filing, approval of forms.
§ 627.683Licensed agent required.
§ 627.684

Part X. PROPERTY INSURANCE CONTRACTS

§ 627.701Liability of insureds; coinsurance; deductibles.
§ 627.7011Homeowners’ policies; offer of replacement cost coverage and law and ordinance coverage.
§ 627.70121Payment of claims for dual interest property.
§ 627.70131Insurer’s duty to acknowledge communications regarding claims; investigation.
§ 627.70132Notice of property insurance claim.
§ 627.7015Alternative procedure for resolution of disputed property insurance claims.
§ 627.70151Appraisal; conflicts of interest.
§ 627.70152Suits arising under a property insurance policy.

Part XI. MOTOR VEHICLE AND CASUALTYINSURANCE CONTRACTS

§ 627.7261Refusal to issue policy.
§ 627.7263Rental and leasing driver’s insurance to be primary; exception.
§ 627.727Motor vehicle insurance; uninsured and underinsured vehicle coverage; insolvent insurer protection.
§ 627.7275Motor vehicle liability.
§ 627.7276Notice of limited coverage.
§ 627.7277Notice of renewal premium.
§ 627.728Cancellations; nonrenewals.
§ 627.7281Cancellation notice.

Part XII. SURETY INSURANCE CONTRACTS

§ 627.751Surety on required bonds; release.
§ 627.752Bonds in judicial proceedings.
§ 627.754Sureties upon official bonds.
§ 627.756Bonds for construction contracts; attorney fees in case of suit.
§ 627.758Surety on auto club traffic arrest bond; conditions, limit; bail bond.
§ 627.759Estoppel to deny power.

Part XIII. TITLE INSURANCE CONTRACTS

§ 627.7711Definitions.
§ 627.776Applicability or inapplicability of Florida Insurance Code provisions to title insurers.
§ 627.777Approval of forms.
§ 627.7773Accounting and auditing of forms by title insurers.
§ 627.7776Furnishing of supplies; civil liability.
§ 627.778Limit of risk.
§ 627.780Illegal dealings in premium.
§ 627.782Adoption of rates.

Part XIV. VARIABLE OR INDETERMINATEVALUE CONTRACTS

§ 627.801Application of this part.
§ 627.8015“Indeterminate value contracts” and “variable contracts” defined.
§ 627.802Establishment and maintenance of separate accounts.
§ 627.803Statement of value of benefits.
§ 627.804Investment of assets.
§ 627.805Regulation of variable and indeterminate value contracts; rules.
§ 627.8055Qualification of companies to issue variable or indeterminate value contracts.
§ 627.806Applicability of code to indeterminate value contracts and variable life insurance contracts and accounts.

Part XV. PREMIUM FINANCE COMPANIESAND AGREEMENTS

§ 627.826“Premium finance company” defined.
§ 627.827“Premium finance agreement” defined.
§ 627.828License required.
§ 627.8281Levy upon deposit.
§ 627.829Approval, disapproval of application; license renewal.
§ 627.832Grounds for refusal, suspension, or revocation of license.
§ 627.833Administrative fine and probation in lieu of suspension, revocation, or refusal to renew license.
§ 627.834Examinations.

Part XVI. PREMIUM FINANCING

§ 627.901Premium financing by an insurance agent or agency.
§ 627.902Premium financing by an insurer or subsidiary.
§ 627.903Premium finance cost specified.
§ 627.904Insurer filing; approval of forms; service charge filing.

Part XVII. INSURER REPORTING

§ 627.911Scope of this part.
§ 627.912Professional liability claims and actions; reports by insurers and health care providers; annual report by office.
§ 627.9122Officers’ and directors’ liability claims; reports by insurers.
§ 627.9126Reports by liability insurers.
§ 627.913Reports by products liability insurers.
§ 627.914Reports of information by workers’ compensation insurers required.
§ 627.915Insurer experience reporting.
§ 627.917Uniform risk classification reporting system for motor vehicle insurance.

Part XVIII. LONG-TERM CARE INSURANCE POLICIES

§ 627.9401Short title.
§ 627.9402Purpose.
§ 627.9403Scope.
§ 627.9404Definitions.
§ 627.9405Authorized groups; filing requirements.
§ 627.9406Out-of-state group long-term care insurance.
§ 627.9407Disclosure, advertising, and performance standards for long-term care insurance.
§ 627.94071Minimum standards for home health care benefits.

Part XIX. PURCHASING GROUPS ANDRISK RETENTION GROUPS

§ 627.941Purpose.
§ 627.942Definitions.
§ 627.943Risk retention groups certified in Florida.
§ 627.944Risk retention groups not certificated in this state.
§ 627.945Compulsory association.
§ 627.946Countersignatures not required.
§ 627.947Purchasing groups; exemption from certain insurer provisions.
§ 627.948Notice and registration requirements of purchasing groups.

Part XX. FINANCIAL GUARANTY INSURANCE

§ 627.971Definitions.
§ 627.972Organization; financial requirements.
§ 627.973Limitations.
§ 627.974Filing of policy forms and rates.
§ 627.975Reinsurance.

Part XXI. MORTGAGE INSURANCE CONSOLIDATIONS

§ 627.981Scope of part.
§ 627.982Definitions.
§ 627.983General requirements.
§ 627.984Group-to-group consolidations.
§ 627.985Disclosure requirements.
§ 627.986Replacement rules.
§ 627.987Policy forms.

Part XXII. COLLATERAL PROTECTION INSURANCE

§ 627.9901Purpose.
§ 627.9902Scope.
§ 627.9903Definitions.
§ 627.9904Term of insurance policy.
§ 627.9905Calculation of coverage and payment of premiums.
§ 627.9906Prohibited practices.
§ 627.9907Noncircumvention.
§ 627.9908Evidence of coverage.
§ 627.9909

Cited by 14 provisions

Provisions in this library whose text cites Fla. Stat. ch. 627. Each shows the citation as that text prints it.

The Florida Statutes

§ 408.810, Fla. Stat.Minimum licensure requirements.Printed as chapter 627
§ 409.920, Fla. Stat.Medicaid provider fraud.Printed as chapter 627
§ 409.962, Fla. Stat.Definitions.Printed as chapter 627
§ 409.966, Fla. Stat.Eligible plans; selection.Printed as chapter 627
§ 440.491, Fla. Stat.

← Chapter 626 Chapter 628 →

Procedural information only. Not legal advice and not a substitute for the advice of an attorney. Confirm the current text with the official publisher before relying on it.

§ 627.407

Alteration of application.

§ 627.408Application as evidence.

§ 627.4085Insurer name, agent name, and license identification number required on application.

§ 627.409Representations in applications; warranties.

§ 627.4091Specific reasons for denial, cancellation, or nonrenewal.

§ 627.40951Standard personal lines residential insurance policy.

§ 627.40952Savings reflections in residential property and motor vehicle insurer rate filings related to specified chapter laws.

§ 627.410Filing, approval of forms.

§ 627.4101Credit insurance enrollment forms.

§ 627.4102Informational filing of forms.

§ 627.4105Life and health insurance; reduced premiums upon rigorous physical examination.

§ 627.4107Government employees exposed to toxic drug chemicals; cancellation of life or health policy or certificate prohibited.

§ 627.4108Claims-handling manuals; submission; attestation.

§ 627.411Grounds for disapproval.

§ 627.412Standard provisions, in general.

§ 627.413Contents of policies, in general; identification.

§ 627.4131Telephone number required.

§ 627.4132Stacking of coverages prohibited.

§ 627.4133Notice of cancellation, nonrenewal, or renewal premium.

§ 627.4135Casualty insurance contracts subject to general provisions for insurance contracts.

§ 627.4136Nonjoinder of insurers.

§ 627.4137Disclosure of certain information required.

§ 627.4138Wrap-up insurance policies for nonpublic construction projects.

§ 627.414Additional policy contents.

§ 627.4143Outline of coverage.

§ 627.4145Readable language in insurance policies.

§ 627.4147Medical malpractice insurance contracts.

§ 627.4148Medical malpractice insurers; required offer of coverage limits.

§ 627.41495Public notice of medical malpractice rate filings.

§ 627.415Charter, bylaw provisions.

§ 627.416Execution of policies.

§ 627.417Underwriters’ and combination policies.

§ 627.418Validity of noncomplying contracts.

§ 627.419Construction of policies.

§ 627.4195Health insurance; claims for payment of psychotherapeutic services; confidentiality.

§ 627.420Binders.

§ 627.4205Coverage identification number required.

§ 627.421Delivery of policy.

§ 627.4215Disclosures to policyholders; coverage of behavioral health care services.

§ 627.422Assignment of policies or post-loss benefits.

§ 627.423Payment discharges insurer.

§ 627.4232Health insurance out-of-hospital benefits.

§ 627.4233Total disability defined.

§ 627.4234Health insurance cost containment provisions required.

§ 627.4235Coordination of benefits.

§ 627.4236Coverage for bone marrow transplant procedures.

§ 627.4237Sickness disability or disability due to sickness.

§ 627.4238Health insurer examinations.

§ 627.4239Coverage for use of drugs in treatment of cancer.

§ 627.42391Insurance policies; cancer treatment parity; orally administered cancer treatment medications.

§ 627.42392Prior authorization.

§ 627.42393Step-therapy protocol.

§ 627.42395Coverage for certain prescription and nonprescription enteral formulas.

§ 627.42396Reimbursement for telehealth services.

§ 627.42397Coverage for air ambulance services.

§ 627.424Minor may give acquittance.

§ 627.425Forms for proof of loss to be furnished.

§ 627.426Claims administration.

§ 627.4265Payment of settlement.

§ 627.427Payment of judgment by insurer; penalty for failure.

§ 627.429Medical tests for HIV infection and AIDS for insurance purposes.

§ 627.4295Dental procedures; anesthesia and hospitalization coverage.

§ 627.4301Genetic information for insurance purposes.

§ 627.4302Identification cards for processing prescription drug claims.

§ 627.43141Notice of change in policy terms.

§ 627.441Commercial general liability policies; coverage to contractors for completed operations.

§ 627.442Insurance contracts.

§ 627.443Essential health benefits.

§ 627.444Loss run statements for all lines of insurance.

§ 627.445Paid family leave insurance.

§ 627.446Advanced explanation of benefits.

Life insurance automatic policy loan provision.

§ 627.456Misstatement of age or sex.

§ 627.457Dividends.

§ 627.458Policy loan.

§ 627.4585Maximum rate of interest on policy loans.

§ 627.459Reinstatement.

§ 627.460Authority to alter contract.

§ 627.4605Replacement notice.

§ 627.461Settlement on proof of death.

§ 627.4615Interest payable on death claim payments.

§ 627.462Table of installments.

§ 627.463Excluded or restricted coverage.

§ 627.464Annuity contracts, pure endowment contracts; standard provisions.

§ 627.465Annuity contracts, pure endowment contracts; grace period.

§ 627.466Annuity contracts, pure endowment contracts; incontestability.

§ 627.467Annuity contracts, pure endowment contracts; entire contract.

§ 627.468Annuity contracts, pure endowment contracts; misstatement of age or sex.

§ 627.469Annuity contracts, pure endowment contracts; dividends.

§ 627.470Annuity contracts, pure endowment contracts; reinstatement.

§ 627.471Reversionary annuities; standard provisions.

§ 627.472Incontestability after reinstatement.

§ 627.473Policy settlements.

§ 627.474Policy must contain entire contract.

§ 627.475Nonforfeiture benefits; certain interim policies.

§ 627.476Standard Nonforfeiture Law for Life Insurance.

§ 627.479Prohibited policy plans.

§ 627.480Cash payments of single-premium life policies.

§ 627.481Requirements for certain annuity agreements.

§ 627.482Interest payable on cash surrender of policy.

§ 627.508

Dividends.

§ 627.509Reinstatement.

§ 627.510Settlement on proof of death.

§ 627.511Authority to alter contract.

§ 627.512Beneficiary.

§ 627.513Facility of payment.

§ 627.514Nonforfeiture benefits; certain interim policies.

§ 627.515Title of industrial life insurance policy.

§ 627.516Advance payment of premiums.

§ 627.517Conversion.

§ 627.521Disclosure statements.

§ 627.522Policy requirements and prohibitions.

Group life insurance; association groups.

§ 627.5575Group life insurance for dependents.

§ 627.558Provisions required in group contracts.

§ 627.559Grace period.

§ 627.560Incontestability.

§ 627.561Application; statements deemed representations.

§ 627.562Insurability.

§ 627.563Misstatement of age.

§ 627.564Payment of benefits.

§ 627.565Certificate.

§ 627.566Conversion on termination of eligibility.

§ 627.567Conversion on termination of policy.

§ 627.568Death pending conversion.

§ 627.5685Continuance of coverage during disability.

§ 627.5686Waiver of premium for disabled insured.

§ 627.569Use of dividends, refunds, rate reductions, commissions, service fees.

§ 627.570Premium rates.

§ 627.571Assignment of incidents of ownership in group life insurance policies, including conversion privileges.

§ 627.5725Notification to insureds of cancellation or expiration.

§ 627.573Replacement or termination of group life insurance; liability of prior insurer.

§ 627.574Liability of succeeding insurer on replacement of group policy.

§ 627.575Extension of benefits.

§ 627.6045

Preexisting condition.

§ 627.6046Limit on preexisting conditions.

§ 627.605Required provisions; captions, omissions, substitutions.

§ 627.6056Coverage for ambulatory surgical center service.

§ 627.606Entire contract; changes.

§ 627.607Time limit on certain defenses.

§ 627.608Grace period.

§ 627.609Reinstatement.

§ 627.610Notice of claim.

§ 627.611Claim forms.

§ 627.612Proof of loss.

§ 627.613Time of payment of claims.

§ 627.6131Payment of claims.

§ 627.614Payment of claims.

§ 627.6141Denial of claims.

§ 627.615Physical examination, autopsy.

§ 627.616Legal actions.

§ 627.617Change of beneficiary.

§ 627.618Optional policy provisions.

§ 627.619Change of occupation.

§ 627.620Misstatement of age or sex.

§ 627.621Other insurance with this insurer.

§ 627.622Insurance with other insurers.

§ 627.623Insurance with other insurers; other benefits.

§ 627.624Relation of earnings to insurance.

§ 627.625Unpaid premiums.

§ 627.6265Cancellation or nonrenewal prohibited.

§ 627.627Conformity with statutes.

§ 627.628Illegal occupation.

§ 627.629Intoxicants and narcotics.

§ 627.630Order of certain provisions.

§ 627.631Third-party ownership.

§ 627.632Requirements of other jurisdictions.

§ 627.633Other policy provisions.

§ 627.634Age limit.

§ 627.635Excess insurance.

§ 627.636Industrial health insurance.

§ 627.637Construction of noncomplying contracts.

§ 627.638Direct payment for hospital, medical services.

§ 627.6385Disclosures to policyholders; calculations of cost sharing.

§ 627.6387Shared savings incentive program.

§ 627.639Application signed by agent.

§ 627.640Filing of classifications and rates.

§ 627.6401Refunds for persons age 64.

§ 627.6402Insurance rebates for healthy lifestyles.

§ 627.64025Advanced practice registered nurse services.

§ 627.6403Payment of acupuncture benefits to certified acupuncturists.

§ 627.6405Decreasing inappropriate utilization of emergency care.

§ 627.6406Maternity care.

§ 627.6407Massage.

§ 627.6408Diabetes treatment services.

§ 627.6409Coverage for osteoporosis screening, diagnosis, treatment, and management.

§ 627.641Coverage for newborn children.

§ 627.6415Coverage for natural-born, adopted, and foster children; children in insured’s custodial care.

§ 627.6416Coverage for child health supervision services.

§ 627.6417Coverage for surgical procedures and devices incident to mastectomy.

§ 627.64171Coverage for length of stay and outpatient postsurgical care.

§ 627.64172Requirements with respect to breast cancer and routine followup care.

§ 627.6418Coverage for mammograms.

§ 627.6419Requirements with respect to breast cancer.

§ 627.64193Required coverage for cleft lip and cleft palate.

§ 627.64194Coverage requirements for services provided by nonparticipating providers; payment collection limitations.

§ 627.64195Requirements for opioid coverage.

§ 627.64196Medication synchronization.

§ 627.64197Coverage for organ transplants.

§ 627.642Outline of coverage.

§ 627.6425Renewability of individual coverage.

§ 627.6426Short-term health insurance.

§ 627.643Uniform minimum standards.

§ 627.644Discrimination against handicapped prohibited.

§ 627.645Denial of health insurance claims restricted.

§ 627.646Conversion on termination of eligibility.

§ 627.647Standard health claim form.

§ 627.6471Contracts for reduced rates of payment; limitations; coinsurance and deductibles.

§ 627.6472Exclusive provider organizations.

§ 627.64725Health maintenance organization or exclusive provider organization; disclosure of terms and conditions of plan.

§ 627.6473Combined preferred provider and exclusive provider policies.

§ 627.64731Leasing, renting, or granting access to a participating provider.

§ 627.6474Provider contracts.

§ 627.64741Pharmacy benefit manager contracts.

§ 627.6475Individual reinsurance pool.

§ 627.6487Guaranteed availability of individual health insurance coverage to eligible individuals.

§ 627.64995Restrictions on use of state and federal funds for state exchanges.

§ 627.654

Labor union, association, and small employer health alliance groups.

§ 627.655Debtor groups.

§ 627.6551Teacher and student groups.

§ 627.656Additional groups.

§ 627.6561Preexisting conditions.

§ 627.65612Limit on preexisting conditions.

§ 627.65615Special enrollment periods.

§ 627.6562Dependent coverage.

§ 627.65625Prohibiting discrimination against individual participants and beneficiaries based on health status.

§ 627.65626Insurance rebates for healthy lifestyles.

§ 627.6563Full-time employment defined.

§ 627.657Provisions of group health insurance policies.

§ 627.6571Guaranteed renewability of coverage.

§ 627.6572Pharmacy benefit manager contracts.

§ 627.65735Nondiscrimination of coverage for surgical procedures.

§ 627.65736Coverage for organ transplants.

§ 627.6574Maternity care.

§ 627.65745Diabetes treatment services.

§ 627.6575Coverage for newborn children.

§ 627.65755Dental procedures; anesthesia and hospitalization coverage.

§ 627.6577Dental care.

§ 627.6578Coverage for natural-born, adopted, and foster children; children in insured’s custodial care.

§ 627.6579Coverage for child health supervision services.

§ 627.658Use of dividends, refunds, rate reductions, commissions, service fees; premium rates.

§ 627.659Blanket health insurance; eligible groups.

§ 627.660Conditions and provisions of blanket health insurance policies.

§ 627.661School accident insurance claims; policy service.

§ 627.6612Coverage for surgical procedures and devices incident to mastectomy.

§ 627.66121Coverage for length of stay and outpatient postsurgical care.

§ 627.66122Requirements with respect to breast cancer and routine followup care.

§ 627.6613Coverage for mammograms.

§ 627.6615Children with disabilities; continuation of coverage under group policy.

§ 627.6616Coverage for ambulatory surgical center service.

§ 627.6617Coverage for home health care services.

§ 627.6618Payment of acupuncture benefits to certified acupuncturists.

§ 627.6619Massage.

§ 627.662Other provisions applicable.

§ 627.6621Advanced practice registered nurse services.

§ 627.663Franchise health insurance.

§ 627.664Assignment of incidents of ownership in group, blanket, or franchise health policies.

§ 627.6645Notification of cancellation, expiration, nonrenewal, or change in rates.

§ 627.6646Cancellation or nonrenewal prohibited.

§ 627.6648Shared savings incentive program.

§ 627.6651Replacement or termination of group, blanket, or franchise health policy or contract; liability of prior insurer.

§ 627.666Liability of succeeding insurer on replacement of group, blanket, or franchise health insurance policy.

§ 627.667Extension of benefits.

§ 627.6675Conversion on termination of eligibility.

§ 627.668Optional coverage for mental and nervous disorders required; exception.

§ 627.6686Coverage for individuals with autism spectrum disorder required; exception.

§ 627.669Optional coverage required for substance abuse impaired persons; exception.

§ 627.6691Coverage for osteoporosis screening, diagnosis, treatment, and management.

§ 627.66911Required coverage for cleft lip and cleft palate.

§ 627.6692Florida Health Insurance Coverage Continuation Act.

§ 627.6698Attorney’s fees.

§ 627.6699Employee Health Care Access Act.

§ 627.66996Restrictions on use of state and federal funds for state exchanges.

§ 627.66997Stop-loss insurance.

§ 627.6742

Permitted compensation arrangements.

§ 627.6743Standards for marketing.

§ 627.6744Recommended purchase and excessive insurance.

§ 627.6745Loss ratio standards; public rate hearings.

§ 627.6746Compliance with Omnibus Budget Reconciliation Acts.

§ 627.675Mandated coverages inapplicable to Medicare supplement policies unless specifically made applicable.

Premium not deemed loan or finance charge.

§ 627.6841Credit insurance consolidations; general requirements.

§ 627.6842Group-to-group consolidations.

§ 627.6843Consolidation disclosure requirements.

§ 627.6844Replacement rules.

§ 627.6845Policy forms used in connection with consolidations.

§ 627.70153Consolidation of residential property insurance actions.

§ 627.70154Mandatory binding arbitration.

§ 627.7016Insurer contracts with building contractors.

§ 627.70161Family child care and large family child care insurance.

§ 627.7017Hurricane loss mitigation projects.

§ 627.7018Standards for determining risk of coverage.

§ 627.7019Standardization of requirements applicable to insurers after natural disasters.

§ 627.702Valued policy law.

§ 627.705Return of unearned premium on overinsured personal property.

§ 627.706Sinkhole insurance; catastrophic ground cover collapse; definitions.

§ 627.7061Coverage inquiries.

§ 627.7063Building code effectiveness grading schedule.

§ 627.707Investigation of sinkhole claims; insurer payment; nonrenewals.

§ 627.7072Testing standards for sinkholes.

§ 627.7073Sinkhole reports.

§ 627.7074Alternative procedure for resolution of disputed sinkhole insurance claims.

§ 627.711Notice of premium discounts for hurricane loss mitigation; uniform mitigation verification inspection form.

§ 627.712Residential windstorm coverage required; availability of exclusions for windstorm or contents.

§ 627.713Report of hurricane loss data.

§ 627.714Residential condominium unit owner coverage; loss assessment coverage required.

§ 627.7142Homeowner Claims Bill of Rights.

§ 627.715Flood insurance.

§ 627.7151Limited sinkhole coverage insurance.

§ 627.7152Assignment agreements.

§ 627.7153Policies restricting assignment of post-loss benefits under a property insurance policy.

§ 627.7154Property Insurer Stability Unit; duties and required reports.

§ 627.71545Pet insurance; noninsurance wellness programs.

§ 627.7155Wind and flood coverage in residential and commercial property insurance policies.

§ 627.7282

Notice of additional premium; cancellation upon nonpayment.

§ 627.7283Cancellation; return of unearned premium.

§ 627.7285Experience while operating a train.

§ 627.7286Renewal of policy and setting of rates; certain experience not a factor.

§ 627.7288Comprehensive coverage; deductible not to apply to motor vehicle glass.

§ 627.7289Assignment of post-loss motor vehicle glass benefits prohibited.

§ 627.7291Motor vehicle windshield claims and practices; steering prohibited; exceptions.

§ 627.7295Motor vehicle insurance contracts.

§ 627.72951Temporary binding permitted.

§ 627.730Florida Motor Vehicle No-Fault Law.

§ 627.731Purpose.

§ 627.7311Effect of law on personal injury protection policies.

§ 627.732Definitions.

§ 627.733Required security.

§ 627.734Proof of security; security requirements; penalties.

§ 627.736Required personal injury protection benefits; exclusions; priority; claims.

§ 627.737Tort exemption; limitation on right to damages; punitive damages.

§ 627.739Personal injury protection; optional limitations; deductibles.

§ 627.7401Notification of insured’s rights.

§ 627.7403Mandatory joinder of derivative claim.

§ 627.7405Insurers’ right of reimbursement.

§ 627.7407Application of the Florida Motor Vehicle No-Fault Law.

§ 627.7415Commercial motor vehicles and qualified motor vehicles; additional liability insurance coverage.

§ 627.742Nonpublic sector buses; additional liability insurance coverage.

§ 627.743Payment of third-party claims.

§ 627.744Preinsurance inspection of private passenger motor vehicles.

§ 627.745Mediation of claims.

§ 627.746Coverage for minors who have a learner’s driver license; additional premium prohibited.

§ 627.747Named driver exclusion.

§ 627.748Transportation network companies.

§ 627.7483Peer-to-peer car sharing; insurance requirements.

§ 627.749Autonomous vehicles; insurance requirements.

§ 627.7491Official law enforcement vehicles; motor vehicle insurance requirements.

§ 627.783

Rate deviation.

§ 627.7831Commitments; charges; collection.

§ 627.784Casualty title insurance prohibited.

§ 627.7841Insurance against adverse matters or defects in the title.

§ 627.7842Policy exceptions.

§ 627.7843Property information reports.

§ 627.7845Determination of insurability required; preservation of evidence of title search and examination.

§ 627.785Preemption by state.

§ 627.786Transaction of title insurance and any other kind of insurance prohibited.

§ 627.7865Title insurer assessments.

§ 627.791Penalties against title insurers for violations by persons or entities not licensed.

§ 627.792Liability of title insurers for defalcation by title insurance agents or agencies.

§ 627.796Errors and omissions policy requirements.

§ 627.798Rulemaking authority.

§ 627.807Variable or indeterminate value contract reserve requirements.

§ 627.835

Excessive premium finance charge; penalty.

§ 627.836Licensee’s books and records; reports.

§ 627.838Filing and approval of forms; service charges.

§ 627.839Form and content of premium finance agreements.

§ 627.840Limitation on service and other charges.

§ 627.8405Prohibited acts; financing companies.

§ 627.841Delinquency, collection, cancellation, and check return charges; attorney’s fees.

§ 627.842Restrictions on premium finance agreements.

§ 627.843Delivery of copy of premium finance agreement.

§ 627.844Assignment of premium finance agreement.

§ 627.845Statement of account; receipts.

§ 627.847Extensions or deferrals.

§ 627.848Cancellation of insurance contract upon default.

§ 627.849Fees.

§ 627.9175Reports of information on health and accident insurance.

§ 627.918Reporting formats.

§ 627.919Maintenance of insurance data.

§ 627.94072

Mandatory offers.

§ 627.94073Notice of cancellation; grace period.

§ 627.94074Standards for benefit triggers.

§ 627.94075A qualified state Long-Term Care Insurance Partnership Program in Florida.

§ 627.94076Time limit on certain defenses.

§ 627.9408Rules.

§ 627.949

Restrictions on insurance purchased by purchasing groups.

§ 627.950Administrative and procedural authority regarding risk retention and purchasing groups.

§ 627.951Penalties; cease and desist orders; injunctions.

§ 627.952Risk retention and purchasing group agents.

§ 627.953Binding effect of orders issued in United States District Court.

§ 627.954Rules.

§ 627.955Limitation on deductibles.

Filing, approval, and withdrawal of forms and rates.

§ 627.9911Enforcement; proceedings; penalties.

§ 627.9912Rulemaking.

§ 627.9913Severability.

Reemployment of injured workers; rehabilitation.

Printed as chapter 627

§ 501.165, Fla. Stat.Automatic renewal of service contracts.Printed as chapter 627

§ 624.3161, Fla. Stat.Market conduct examinations.Printed as chapter 627; chapters 440, 626, 627

§ 624.4625, Fla. Stat.Corporation not for profit self-insurance funds.Printed as chapter 627

§ 626.593, Fla. Stat.Insurance agent; written contract for compensation.Printed as chapter 627

§ 626.913, Fla. Stat.Surplus Lines Law; short title; purposes.Printed as chapter 627

§ 626.9551, Fla. Stat.Favored agent or insurer; coercion of debtors.Printed as chapter 627, or 12

§ 636.202, Fla. Stat.Definitions.Printed as chapter 627

§ 642.032, Fla. Stat.Provisions of general insurance law applicable to legal expense insurance corporations.Printed as Chapter 627

§ 790.338, Fla. Stat.Medical privacy concerning firearms; prohibitions; penalties; exceptions.Printed as chapter 627