Fla. Stat. 627.659
Blanket health insurance; eligible groups


(1)

Under a policy or contract issued to any common carrier or to any operator, owner, or lessee of a means of transportation, which is deemed the policyholder, covering a group defined as all persons who may become passengers on such common carrier or such means of transportation.

(2)

Under a policy or contract issued to an employer, who is deemed the policyholder, covering any group of employees or the employees’ dependents or guests defined by reference to activities or operations of the policyholder, or under a policy or contract issued to an employer when all employees are covered under any such policy or contract.

(3)

Under a policy issued to a school, district school system, college, university, or other institution of learning, or to the official or officials of such institution insuring all or any class of its students, teachers, and employees. Any such policy issued may insure the spouse or dependent children of the insured student, teacher, or employee.

(4)

Under a policy or contract issued in the name of a volunteer fire department, first aid group, local emergency management agency as defined in s. 252.34(6), or other group of first responders as defined in s. 112.1815, which is deemed the policyholder, covering all or any grouping of the members or employees of the policyholder or covering all or any participants in an activity or operation sponsored or supervised by the policyholder.

(5)

Under a policy or contract issued to an organization, or branch thereof, such as the Boy Scouts of America, the Future Farmers of America, any religious, instructive, educational, charitable, recreational, or civic body, or similar organization, or to an individual, firm, or corporation, holding or operating meetings such as summer camps or other meetings for religious, instructive, educational, charitable, recreational, or civic purposes, which is deemed the policyholder, covering any or all participants in the activities or operations sponsored or supervised by the policyholder, including attending such camps or meetings, including counselors, instructors, and persons in other administrative positions.

(6)

Under a policy or contract issued in the name of a newspaper or other publisher, which is deemed the policyholder, covering independent contractor newspaper or publication delivery persons for health insurance that may contain the following benefits:Coverage only for accident or disability income insurance or any combination thereof;Limited-scope dental or vision benefits;Coverage only for a specified disease or illness; orHospital indemnity or other fixed indemnity insurance.

(a)

Coverage only for accident or disability income insurance or any combination thereof;

(b)

Limited-scope dental or vision benefits;

(c)

Coverage only for a specified disease or illness; or

(d)

Hospital indemnity or other fixed indemnity insurance.

(7)

Under a policy or contract issued in the name of a health care provider, which is deemed the policyholder, covering patients, or issued to an arranger of fertility medicine relationships, such as a surrogacy agency, which is deemed the policyholder, covering donors, recipients, or surrogates. This coverage may be offered to patients of a health care provider or to donors, recipients, or surrogates of such arranged health services but may not be made a condition of receiving care. The benefits provided under such policy or contract shall not be assignable to any health care provider.

(8)

Under a policy or contract issued to any health maintenance organization licensed pursuant to part I of chapter 641, which is deemed the policyholder, covering the subscribers of the health maintenance organization. Payment may be made directly to the health maintenance organization by the blanket health insurer for health care services rendered by providers pursuant to the health care delivery plan.

(9)

Under a policy or contract issued to a sports team, camp, or sponsor thereof, which is deemed the policyholder, covering members, campers, participants, employees, officials, or supervisors.

(10)

Under a policy or contract issued to a travel agency or other organization that provides travel-related services, which is deemed the policyholder, to cover any or all persons for whom travel and travel-related services are provided.

(11)

Under a policy or contract issued to an association, which is deemed the policyholder, if the association has a constitution and bylaws, has at least 25 individual members, and has been organized and maintained in good faith for at least 1 year for purposes other than obtaining insurance, covering all or any class of members of such association.

(12)

Under a policy or contract issued to a financial institution or parent holding company, or issued to the trustees or agents designated by one or more banks or financial institutions as defined in s. 655.005, which is deemed the policyholder, covering accountholders, cardholders, debtors, or guarantors for health insurance that may contain the following benefits:Coverage only for accident or disability income insurance or any combination thereof;Limited-scope dental or vision benefits;Coverage only for a specified disease or illness; orHospital indemnity or other fixed indemnity insurance.

(a)

Coverage only for accident or disability income insurance or any combination thereof;

(b)

Limited-scope dental or vision benefits;

(c)

Coverage only for a specified disease or illness; or

(d)

Hospital indemnity or other fixed indemnity insurance.

Source: Section 627.659 — Blanket health insurance; eligible groups, https://www.­flsenate.­gov/Laws/Statutes/2024/0627.­659 (accessed Aug. 7, 2025).

627.651
Group contracts and plans of self-insurance must meet group requirements
627.652
Group health insurance
627.653
Employee groups
627.654
Labor union, association, and small employer health alliance groups
627.655
Debtor groups
627.656
Additional groups
627.657
Provisions of group health insurance policies
627.658
Use of dividends, refunds, rate reductions, commissions, service fees
627.659
Blanket health insurance
627.660
Conditions and provisions of blanket health insurance policies
627.661
School accident insurance claims
627.662
Other provisions applicable
627.663
Franchise health insurance
627.664
Assignment of incidents of ownership in group, blanket, or franchise health policies
627.666
Liability of succeeding insurer on replacement of group, blanket, or franchise health insurance policy
627.667
Extension of benefits
627.668
Optional coverage for mental and nervous disorders required
627.669
Optional coverage required for substance abuse impaired persons
627.6512
Exemption of certain group health insurance policies
627.6513
Scope
627.6515
Out-of-state groups
627.6516
Trustee groups
627.6525
Short-term health insurance
627.6551
Teacher and student groups
627.6561
Preexisting conditions
627.6562
Dependent coverage
627.6563
Full-time employment defined
627.6571
Guaranteed renewability of coverage
627.6572
Pharmacy benefit manager contracts
627.6574
Maternity care
627.6575
Coverage for newborn children
627.6577
Dental care
627.6578
Coverage for natural-born, adopted, and foster children
627.6579
Coverage for child health supervision services
627.6612
Coverage for surgical procedures and devices incident to mastectomy
627.6613
Coverage for mammograms
627.6615
Children with disabilities
627.6616
Coverage for ambulatory surgical center service
627.6617
Coverage for home health care services
627.6618
Payment of acupuncture benefits to certified acupuncturists
627.6619
Massage
627.6621
Advanced practice registered nurse services
627.6645
Notification of cancellation, expiration, nonrenewal, or change in rates
627.6646
Cancellation or nonrenewal prohibited
627.6648
Shared savings incentive program
627.6651
Replacement or termination of group, blanket, or franchise health policy or contract
627.6675
Conversion on termination of eligibility
627.6686
Coverage for individuals with autism spectrum disorder required
627.6691
Coverage for osteoporosis screening, diagnosis, treatment, and management
627.6692
Florida Health Insurance Coverage Continuation Act
627.6698
Attorney’s fees
627.6699
Employee Health Care Access Act
627.65612
Limit on preexisting conditions
627.65615
Special enrollment periods
627.65625
Prohibiting discrimination against individual participants and beneficiaries based on health status
627.65626
Insurance rebates for healthy lifestyles
627.65735
Nondiscrimination of coverage for surgical procedures
627.65736
Coverage for organ transplants
627.65745
Diabetes treatment services
627.65755
Dental procedures
627.66121
Coverage for length of stay and outpatient postsurgical care
627.66122
Requirements with respect to breast cancer and routine followup care
627.66911
Required coverage for cleft lip and cleft palate
627.66996
Restrictions on use of state and federal funds for state exchanges
627.66997
Stop-loss insurance

Current through Fall 2025

§ 627.659. Blanket health insurance; eligible groups's source at flsenate​.gov