Renewal, Nonrenewal and Cancellation (F.S. 627.6425, .6571)

Florida individual and group health coverage must renew at the policyholder's option except for listed reasons. Individual: nonpayment; fraud or intentional material misrepresentation; the insurer exits the individual market statewide; the individual leaves the service/authorized area; loss of bona fide association membership; or the insurer discontinues that policy form with 90 days' notice and an offer of any other coverage it sells in the state. Group: nonpayment; fraud; violating material contribution or participation rules; the insurer stops offering that coverage type; no enrollee remains in the service area; the employer leaves a bona fide association; discontinuing a particular product takes 90 days' notice plus the offer of any other current group coverage. Exiting the ENTIRE small- or large-group market requires one hundred eighty (180) days' notice to every policyholder and covered participant — and an insurer that discontinues ALL health policies in Florida is barred from writing health coverage here for five (5) years.

Renewal is the customer's call unless a listed reason fires. Dropping one product = 90 days' warning; abandoning the market = 180 days' warning plus a 5-year timeout.