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Bill

HB 461

Insurance Solutions Advisory Council

2025 Regular Session Introduced by Anna Eskamani and 1 co-sponsor

Failed Florida bill would have created an advisory council to study insurance market solutions and recommend policy improvements to address coverage and rate issues.

Died in Insurance & Banking Subcommittee
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Bill Summary · HB 461

Legislative bill overview

HB 461 would establish an Insurance Solutions Advisory Council in Florida, a new body designed to study and provide recommendations on insurance market issues. The bill was referred to relevant subcommittees in February 2025 but died in the Insurance & Banking Subcommittee after being indefinitely postponed in May.

Why is this important

Florida's insurance market has faced significant challenges in recent years, including insurer insolvencies, rate increases, and coverage gaps. An advisory council could have provided data-driven recommendations to policymakers addressing these systemic problems, potentially influencing future legislation and regulatory approaches.

Potential points of contention

  • Scope and authority: Unclear whether the council would have advisory-only powers or actual regulatory influence, potentially creating redundancy with existing Florida Insurance Commissioner oversight
  • Stakeholder representation: Questions about which insurance industry groups, consumer advocates, and experts would have seats on the council and whether balance could be achieved
  • Cost and funding: The bill's fiscal impact and whether creating another advisory body represents efficient use of state resources during budget constraints

Compiled from official sources — confirm details with the bill’s official record.

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