Florida Statute 627.651 - Full Text and Legal Analysis

The 2025 Florida Statutes

Title XXXVII
INSURANCE

Chapter 627
INSURANCE RATES AND CONTRACTS

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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.

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Amendments to 627.651

Annotations, Discussions, Cases:

Cases Citing Statute 627.651

Total Results: 12 | Sort by: Relevance | Newest First

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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

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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

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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

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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

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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....

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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

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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

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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

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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

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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....

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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

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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

This Florida statute resource is curated by Graham W. Syfert, Esq., a Jacksonville, Florida personal injury and workers' compensation attorney. Attorney Syfert regularly works with Chapter 627 in the context of insurance coverage law and represents clients throughout Northeast Florida. For legal consultation, call 904-383-7448.