Florida Legislative Proposals Impacting Insurance Industry in 2026

As the 2026 Florida Legislative session approaches, Highlands County lawmakers are introducing proposals with significant implications for the insurance industry and other sectors. State Senator Erin Grall from Fort Pierce (District 29) and State Representative Kaylee Tuck from Sebring (District 83) are at the forefront of these legislative efforts. Their proposals address critical issues, including regulatory compliance requirements and insurance mandates, shaping the future landscape for industry stakeholders.

Senator Erin Grall's Insurance Reform Initiatives

Senator Erin Grall has filed several notable bills, including Senate Bill 522, introduced on November 17. This pivotal legislation aims to repeal the Florida Motor Vehicle No-Fault Law by January 1, 2027, which would eliminate Personal Injury Protection (PIP) insurance. The bill proposes new minimum liability coverage levels at $25,000 for injury or death of one person, $50,000 for two or more individuals, and $10,000 for property damage. SB 522 is currently undergoing review by the Senate's Banking and Insurance committee, among others, reflecting its potential impact on insurance carriers and compliance protocols.

Furthermore, Grall has introduced SB 344 on November 4, focusing on regulating the use of artificial intelligence in mental health practices. This legislation prohibits AI-driven prior authorization delays in clinical settings yet permits AI usage for administrative tasks like billing, provided clients give written consent. The bill is under evaluation by the Health Policy committee, aiming to balance innovation with strict regulatory compliance.

Representative Kaylee Tuck's Legislative Proposals

Representative Kaylee Tuck has brought forward HB 799 and HB 797, filed on December 17. HB 799 seeks to allocate funds for fiscally constrained counties losing property tax revenue due to a proposed constitutional amendment. This amendment offers tax exemptions for certain agritourism and agricultural tangible property, directly affecting financial underwriting and risk management strategies in these sectors. Meanwhile, HB 797 focuses on nonprofit governance reforms, which may indirectly impact insurance providers through changes in regulatory and compliance requirements for organizations. As of now, Rep. Tuck’s bills await committee assignments, with final drafts due by January 9, setting the stage for a pivotal legislative session starting January 13.