FL S0322

Expands eligibility for multiple employer welfare arrangements (MEWAs) to include bona fide groups as defined in federal regulations, removing requirements for 1-year continuous organization and prohibitions on combining employers from different trades or industries

Allows health insurers and HMOs to create new policies combining essential health benefits from any state's benchmark plan, selecting one or more coverages from each of the 10 required PPACA categories from one or multiple states

Defines short-term health insurance as coverage lasting less than 12 months with renewals/extensions not exceeding 36 months total, requiring disclosure that coverage may exclude preexisting conditions and certain health benefits

Requires insurers and HMOs, within 30 days of PPACA being repealed by Congress or invalidated by the Supreme Court, to offer at least one comprehensive major medical policy that cannot exclude coverage for preexisting conditions

Directs the Office of Insurance Regulation to study Florida's current essential health benefits benchmark plan, compare costs with other states, and submit recommendations by October 30, 2019 for providing comprehensive care at lower cost