Health sharing in Florida
Florida has a statutory notice that sharing organizations must give participants. It is the clearest statement of what the arrangement is, so we publish it in full rather than paraphrasing it.
Health sharing is not insurance. Programs are not legally required to pay medical expenses and do not have to provide Affordable Care Act protections. NAIC consumer guidance.
Florida Statute 624.1265
Notice: The organization facilitating the sharing of medical expenses is not an insurance company, and neither its guidelines nor its plan of operation is an insurance policy. Membership is not offered through an insurance company, and the organization is not subject to the regulatory requirements or consumer protections of the Florida Insurance Code. Whether anyone chooses to assist you with your medical bills will be totally voluntary because no other participant is compelled by law to contribute toward your medical bills. As such, participation in the organization or a subscription to any of its documents should never be considered to be insurance. Regardless of whether you receive any payments for medical expenses or whether this organization continues to operate, you are always personally responsible for the payment of your own medical bills.
What this means for a Florida household
The notice is the state telling you, in the state’s own words, that the organization is not an insurance company and that no one is compelled to pay your bill. Read it before a marketing page, not after.
The existence of a safe-harbor notice does not mean the state reviews a program’s finances, approves its guidelines, or backs its obligations. It means the state has carved these arrangements out of the insurance code on the condition that participants are told what they are joining.
Before you enroll
- Confirm the program is actually accepting members in Florida.
- Read the current guideline document, including the unshareable list.
- Check whether your state has its own coverage mandate — a sharing membership generally does not satisfy one.
- Compare against a Marketplace plan with any subsidy you qualify for before deciding.