# Fla. Stat. § 627.651: 627.651 Group contracts and plans of self-insurance must meet group requirements

> Florida · Statutes · In force

URL: https://www.frixlaw.com/law-library/statutes/STATE_FL_TXXXVII_C627_PVII_S627.651

## Section

- **Citation:** Fla. Stat. § 627.651
- **Heading:** 627.651 Group contracts and plans of self-insurance must meet group requirements
- **Jurisdiction:** Florida
- **Kind:** Statutes
- **Status:** In force
- **Text as of:** August 14, 2026
- **Source:** Compiled text
- **Location:** Florida Code / Title XXXVII / Chapter 627 / Part VII / Section 627.651

## Text

(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. (c) Insuring or providing benefits only to individuals otherwise having an insurable interest in each other’s lives. (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.

## Nearby sections

- [Fla. Stat. § 627.651 627.651 Group contracts and plans of self-insurance must meet group requirements.](https://www.frixlaw.com/law-library/statutes/STATE_FL_TXXXVII_C627_PVII_S627.651.md)
- [Fla. Stat. § 627.652 627.652 Group health insurance; definitions.](https://www.frixlaw.com/law-library/statutes/STATE_FL_TXXXVII_C627_PVII_S627.652.md)
- [Fla. Stat. § 627.653 627.653 Employee groups.](https://www.frixlaw.com/law-library/statutes/STATE_FL_TXXXVII_C627_PVII_S627.653.md)
- [Fla. Stat. § 627.654 627.654 Labor union, association, and small employer health alliance groups.](https://www.frixlaw.com/law-library/statutes/STATE_FL_TXXXVII_C627_PVII_S627.654.md)
- [Fla. Stat. § 627.655 627.655 Debtor groups.](https://www.frixlaw.com/law-library/statutes/STATE_FL_TXXXVII_C627_PVII_S627.655.md)
- [Fla. Stat. § 627.656 627.656 Additional groups.](https://www.frixlaw.com/law-library/statutes/STATE_FL_TXXXVII_C627_PVII_S627.656.md)
- [Fla. Stat. § 627.657 627.657 Provisions of group health insurance policies.](https://www.frixlaw.com/law-library/statutes/STATE_FL_TXXXVII_C627_PVII_S627.657.md)
- [Fla. Stat. § 627.658 627.658 Use of dividends, refunds, rate reductions, commissions, service fees; premium rates.](https://www.frixlaw.com/law-library/statutes/STATE_FL_TXXXVII_C627_PVII_S627.658.md)
- [Fla. Stat. § 627.659 627.659 Blanket health insurance; eligible groups.](https://www.frixlaw.com/law-library/statutes/STATE_FL_TXXXVII_C627_PVII_S627.659.md)
- [Fla. Stat. § 627.660 627.660 Conditions and provisions of blanket health insurance policies.](https://www.frixlaw.com/law-library/statutes/STATE_FL_TXXXVII_C627_PVII_S627.660.md)
- [Fla. Stat. § 627.661 627.661 School accident insurance claims; policy service.](https://www.frixlaw.com/law-library/statutes/STATE_FL_TXXXVII_C627_PVII_S627.661.md)
- [Fla. Stat. § 627.662 627.662 Other provisions applicable.](https://www.frixlaw.com/law-library/statutes/STATE_FL_TXXXVII_C627_PVII_S627.662.md)
- [Fla. Stat. § 627.663 627.663 Franchise health insurance.](https://www.frixlaw.com/law-library/statutes/STATE_FL_TXXXVII_C627_PVII_S627.663.md)
- [Fla. Stat. § 627.664 627.664 Assignment of incidents of ownership in group, blanket, or franchise health policies.](https://www.frixlaw.com/law-library/statutes/STATE_FL_TXXXVII_C627_PVII_S627.664.md)

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/STATE_FL_TXXXVII_C627_PVII_S627.651. Check the current official text before relying on it. Not legal advice.