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SB 1130

Portable Benefits Accounts for Independent Contractors and Sole Proprietors

2025 Regular Session Introduced by Bryan Ávila

SB 1130 would create portable benefits accounts allowing Florida's independent contractors and self-employed workers to accumulate health, retirement, and leave benefits across multiple jobs.

Died in Regulated Industries
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Bill Summary · SB 1130

Legislative bill overview

SB 1130 would establish portable benefits accounts that allow independent contractors and sole proprietors in Florida to accumulate and carry benefits (such as health insurance, retirement savings, or paid leave) between jobs and clients. The bill aims to address the benefits gap faced by gig workers and self-employed individuals who lack traditional employer-provided benefits. The portable accounts would function similarly to multi-employer benefit plans, allowing workers to build benefits over time regardless of employment arrangement.

Why is this important

Independent contractors and gig workers represent a growing segment of Florida's workforce but typically lack access to employer-sponsored health insurance, retirement plans, and paid time off—benefits that traditional employees receive. This creates financial vulnerability for these workers and may increase reliance on public assistance programs. A portable benefits system could improve economic security for self-employed workers while potentially reducing gaps in health coverage and retirement preparedness.

Potential points of contention

  • Funding mechanism: Unclear how portable accounts would be funded—whether through worker contributions, employer contributions, government subsidies, or some combination, which affects feasibility and cost
  • Regulatory complexity: Determining which benefits qualify, account portability rules, and oversight requirements could create administrative burden on workers and state regulators
  • Market viability: Questions about whether sufficient workers would participate to make accounts economically sustainable, and whether private sector involvement would be necessary or profitable

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

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