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SB 1354FLORIDA · STATEWIDESession 2026dead
Finance Detected

Proposed Changes to Small Employer Health Insurance Regulations

Original title: Small Employer Health Insurance

March 13, 2026

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Finance Connection

Notable money activity
$157,700across 20 reported contributions
Trace money trail →
CandidateDonorAmountIndustryDate
Ileana GarciaFLORIDA REPUBLICAN SENATORIAL CAMPAIGN COMMITTEE INC$50,000PARTY COMMITTEENov 2025
Maria Virginia GarciaMaria Virginia Garcia$10,000Physical<br>TherapistJan 2025
Santos Garcia for Madera Mayor 2020Span Development, LLC$10,000-Nov 2020
Santos Garcia for Madera Mayor 2020DISTRICT COUNCIL OF IRON WORKERS POLITICAL ACTION LEAGUE$8,000-Oct 2020
Peter Garcia for City Council 2024Pedro Munoz Tandazo$5,500LandscaperNov 2023
Peter Garcia for City Council 2024San Bernardino County Republican Party$5,500-Nov 2023
Peter Garcia for City Council 2024Pedro Munoz Tandazo$5,500LandscaperNov 2023
Peter Garcia for City Council 2024San Bernardino County Republican Party$5,500-Nov 2023
Santos Garcia for Madera Mayor 2024Span Construction$5,500-Sep 2024
Santos Garcia for Madera Mayor 2020Santos Garcia$5,000Union OrganizerJun 2024
Santos Garcia for Madera Mayor 2020DMP Development Corporation, Inc$5,000-Sep 2020
Peter Garcia for City Council 2024Hamed Monshizadeh$5,000RetiredNov 2023
Peter Garcia for City Council 2024Hamed Monshizadeh$5,000RetiredNov 2023
Santos Garcia for Madera Mayor 2024Valley Land Development LLC$5,000-Sep 2024
Peter Garcia for City Council 2024Hamed Monshizadeh$4,800RetiredDec 2022
Peter Garcia for City Council 2024Mohammad Monshizadeh$4,800Vice PresidentDec 2022
Santos Garcia for Madera Mayor 2020IUPAT Political Action Together Legislative Education Committee$4,700-Oct 2020
Garcia for City Council 2020Safari Highlands Ranch, LLC$4,300-Jun 2020
Garcia for City Council 2020Escondido Police Assn PAC$4,300-Sep 2020
Garcia for City Council 2020Western Manufactured Housing Communities Assn PAC$4,300-Sep 2020

Reported financial relationships and timing signals. This does not prove motive or influence. Readers draw their own conclusions.

The Frame

What this does

The bill dictates how insurance carriers are assessed for program losses and sets the rules for how small businesses and their employees access and verify health insurance coverage, directly impacting the operational costs for insurers and the information provided to policyholders.

Who is mentioned in the record

Potentially affected actors named in the source documents. Mention is not a position.

Small employer carriers

These entities are subject to assessments, reporting requirements, and must comply with new market conduct standards.

Small employers

Their health benefit plans and stop-loss insurance policies are subject to the regulatory framework defined in the bill.

Health insurance agents

Agents are subject to reporting requirements and marketing standards established by the program board.

What changed

Last recorded activity March 13, 2026.

What's next

Introduced.

Summary

This bill proposes updates to the Florida Small Employer Health Reinsurance Program, including changes to board composition, assessment structures for insurance carriers, and requirements for health insurance identification cards. It establishes a framework for how insurance companies share risk and manage administrative costs for small employer health plans.

Key Facts

You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.

Frequently Asked Questions

Who serves on the board of the reinsurance program?
The board consists of the director of the office (chair) and 13 members, including health insurer representatives, insurance agents, employers, an individual policyholder, and a representative from the Agency for Health Care Administration.
How are program losses funded?
Losses are recouped through assessments on participating carriers, tiered based on their market share and premiums from small employer health benefit plans.
What information must be on my health insurance card?
Cards must include the issuer/administrator name, contract holder name, plan type, identification numbers, and contact information for benefits verification.

Why It Matters

The bill dictates how insurance carriers are assessed for program losses and sets the rules for how small businesses and their employees access and verify health insurance coverage, directly impacting the operational costs for insurers and the information provided to policyholders.

News Coverage

No news coverage found yet. Articles are indexed twice daily.

Lobbying Activity

AARP

$4,110,000

2026

HEALTH ISSUESMEDICARE/MEDICAIDLAW ENFORCEMENT/CRIME/CRIMINAL JUSTICEPHARMACY

P.L. 119-21, One Big Beautiful Bill Act H.R. 8867, Planning for Long-term Aging Needs (PLAN) Act H.R. 5861, Legacy Act of 2025 H.R. 9393, the Lower Costs, More Transparency Act. H.R. 9396, the Prior Authorization Accountability Act. S. 4916, the Aging with Artificial Intelligence Act. H.R. 8100, Safe Staffing Saves Lives Act. S. 3886, Nurses Belong in Nursing Homes Act. H.R. 6766/S. 3492, the Essential Caregivers Act of 2025. H.R. 7966/S. 4118, Hospice Care Accountability, Reform, and Enforcement (Hospice CARE) Act. S. 2120, the Older Americans Act Reauthorization Act of 2025 H.R. 5575, the Firefighters Assisting Seniors to Emergency Response (FASTER) Act of 2025. H.R. 3954/S. 4641, Improving Access to Medicare Coverage Act. H.R.5554/S.2831, Stand Strong for Medicare Act. S. 3439/H.R. 6735, Connecting Caregivers to Medicare Act and efforts related to the bill S. 1227/H.R. 2491, Alleviating Barriers for Caregivers Act S. 668/H.R. 3183, Supporting Access to Falls Education and Prevention and Strengthening Training Efforts and Promoting Safety Initiatives (SAFE STEPS) for Veterans Act of 2025 CMS-1851-P, Hospice Proposed rule. CMS-1843-P, Skilled Nursing Facility Proposed rule. CMS-1844-P, Home Health Proposed rule. No bill number. Health care transparency. No bill number. Discussed use of artificial intelligence and health data technology. No bill number. Discussed health-related policies and activities around the fall respiratory virus season. No bill number. Discussed health insurance affordability proposals. No bill number. Discussed Nursing Home staffing standards, safety, and quality. No bill number. Discussed Nursing home transparency and ownership requirements. No bill number. Discussed home health, hospice, and long-term care. No bill number. Discussed falls prevention. No bill number. Discussed social isolation. No bill number. Discussed HUD Assisted Living Requirements No bill number. Discussed family caregiving. No bill number. Discussed AARP paper on Medicare Caregiver Training Services. No bill number. Discussed Medicaid community engagement interim final rule, including the family caregiver exemption. No bill number. Discussed the paid direct care workforce in long-term care. No bill number. Discussed the unaffordability of long-term care. No bill number. Discussed Money Follows the Person Rebalancing Demonstration Program and Medicaid HCBS spousal impoverishment protections. No bill number. Discussed Medicaid fraud and family caregivers, Medicaid self-direction programs. No bill number. Discussed sandwich generation family caregiver hearing and submitted a statement for the record discussing family caregivers and sandwich generation caregivers, programs that support them, AARP caregiving resources, and federal policies to support sandwich generation caregivers and caregivers more broadly. No bill number. Discussed long-term care. No bill number. CMS-2453-NC; Medicaid Program; 2028 Medicaid Home and Community-Based Services Quality Measure Set Submitted comments No bill number. Discussed expanding access to home care. No bill number. Discussed the increasing cost of home care No bill number. Discussed HSA use for telehealth chronic care management services/subscriptions. No bill number. Discussed artificial intelligence and technology

TRINET GROUP INC.

$175,000

TRINET GROUP INC.

$175,000

TRINET GROUP INC.

$220,000

Sponsors

Discoveries

Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.

policy shift90% confidence

Consolidation of Oversight

The bill centralizes the control of individual and small employer reinsurance programs under a single board.

Connected Entities

Sources

Open source document

openstates.org

Analysis Score

0–100
  • Significance65
    How much this matters to a regular citizen
  • Controversy40
    Intensity of disagreement among stakeholders
  • Entertainment5
    Compellingness for a non-policy-wonk reader
  • Buzz20
    Current news / social attention level

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