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Budget battle — dead money — Gator Nation — Mars — grifters

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Budget battle

This week, the House passed a budget framework on a near-party-line vote. That’s just the first step in crafting a federal budget, but the move likely puts off the threat of a government shutdown early in President Donald Trump’s term.

The budget resolution drew fire from the Left and Right, though among Florida’s congressional delegation, every Republican member felt the plan deserved to advance.

The House budget framework, a step led by Speaker Mike Johnson, advances. Image via AP.

“Tonight, I was pleased to vote for the FY25 budget resolution, which will set important spending and savings goals to deliver on President Trump’s America First budget policies in ONE bill,” said Rep. Scott Franklin, a Lakeland Republican.

“This critical package will cut the deficit by $2 trillion by rooting out wasteful and fraudulent spending, secure the border, make critical investments in our national security, and restore American energy independence. Most importantly, it will extend the Tax Cuts and Jobs Act, preventing record tax hikes and ensuring families and small businesses keep more of their hard-earned money. This is the only budget resolution that fully unleashes the President’s vision for a stronger, safer and more prosperous America.”

However, every Democrat in the House voted “no” to the plan, which the minority caucus said hampers critical government functions and thus puts Americans at risk. Democrats rebuked Medicare cuts particularly sharply. But Rep. Kathy Castor, a Tampa Democrat, said the entire budget framework threatened the nation’s welfare.

“Colleagues, out of all of the outrageous, damaging and illegal firings and shutdowns, whether talking about the Inspectors General, or the top military JAG officers, or the folks in charge of the Office of Government Ethics,” Castor said on the floor. “I mean, the list goes on and on. I think we can all agree that one of the most troubling was the firings at the National Nuclear Security Administration (NNSA). Their professional workforce was targeted by Elon Musk and Donald Trump’s reckless gutting of the federal workforce and the illegal layoffs.”

She filed an amendment that was not passed, but it would have preserved the NNSA.

“I think this is so arbitrary and outlandish to go in and fire people who are responsible for our nuclear enterprise, working at our labs, making sure our nuclear weapons are safe and secure. Yes, I think it is outrageous.”

Ungrateful dead

Sen. Rick Scott says a good way to save on Medicaid spending is to stop paying benefits to deceased enrollees. The Naples Republican filed the Leveraging Integrity and Verification of Eligibility for Beneficiaries (LIVE Beneficiaries) Act, requiring all states to review rolls every quarter to ensure the government is paying insurance bills for deceased enrollees.

“Washington has spent too long failing Americans with its dysfunction, shown clearly by government’s complete complacency with wasting tens of millions of taxpayer dollars each year writing Medicaid checks to people who have died simply because they haven’t checked if they’re alive,” Scott said.

Rick Scott wants states to verify Medicaid recipients have a pulse.

“That’s unacceptable and a complete disappointment to taxpayers and those who rely on this program’s benefits when they need it most. While President Trump and his team are hard at work making our government more efficient, Congress must take action, too. Our bill, the LIVE Beneficiaries Act, will require states to verify that a beneficiary is alive before they send a payment. This is common sense and a practical step to cut down on improper payments and ensure tax dollars are spent wisely.”

Rep. Gus Bilirakis, a Palm Harbor Republican, filed a companion bill in the House.

“As we work to ensure the long-term solvency of critical safety net programs, like Medicaid and Medicare, we have an obligation to ensure we are serving as good stewards of taxpayer dollars,” he said. “This means we must prevent fraud, waste and abuse whenever possible. By implementing simple safeguards like the ones in this bill, we can strengthen these programs and help ensure they (meet) their intended purpose of providing access to quality care for our most vulnerable citizens.”

Gator Nation

During a confirmation hearing for Keith Sonderling, Trump’s nominee for Deputy Labor Secretary, Sen. Ashley Moody brought a little school spirit to a Senate Health Education and Labor Pensions Committee hearing. Florida’s junior Senator, like Sonderling, counts herself among the alumni of the University of Florida, opening her questions with a vocal “Go Gators.”

Ashley Moody shows her Gator pride during a Senate confirmation hearing.

She also praised Sonderling’s background.

“I was so impressed with you, not only because of your incredible education pedigree, but your grasp of what this Department does, what it is meant to do, what it is not meant to do, and the way you have volunteered so selflessly when you could be doing so much in the private world,” she said.

Moody also promised at the hearing’s end to get a picture of herself, Sonderling and Gunster Chair and former U.S. Sen. George LeMieux, another Gator alum. LeMieux was at the meeting to give introductory remarks for Sonderling.

“Keith is a friend and a leader who has dedicated his career to public service and the advancement of the American worker,” LeMieux said. “I am honored to introduce him today and I am confident that he will serve our country with distinction and integrity as the Deputy Secretary of Labor.”

Sonderling, formerly a U.S. Equal Employment Opportunity Commission Commissioner, practiced labor and employment law at Gunster for nearly a decade.

Lunch money

According to Rep. Cory Mills, President Joe Biden’s administration misused federal funding to keep troops fed, spending it on other unidentified priorities. The New Smyrna Beach Republican just led a letter to Defense Secretary Pete Hegseth demanding a change in that policy and transparency regarding how sustenance pay is disbursed.

“As a combat veteran, I’ve once been in the position of a young Army Soldier with limited financial resources. Mismanaging funding for Soldiers’ nutrition is a betrayal of those who sacrifice to defend our freedom,” Mills wrote.

Cory Mills demands transparency on troop food spending. Image via Fox News.

“For junior enlisted Soldiers, the $465 monthly flat rate for BAS can make up as much as 18% of their total pay. This misappropriation of funds directly reduces the financial support they rely on for their basic needs. The fact that nearly 50% to 80% of the $225 million collected from Soldiers’ BAS pay last year was redirected elsewhere demands an immediate investigation and swift accountability. We cannot achieve military readiness by robbing those who serve of the resources they’ve been promised.”

Mills said he was optimistic that the new administration would address the problem.

“I trust that Secretary of Defense Pete Hegseth will thoroughly investigate this issue. His leadership and unwavering commitment to our warfighters is evident. Under his guidance, we have a real opportunity to address these oversights and strengthen our armed forces, retention and lethality.”

Mission to Mars

Artemis II, a mission to send astronauts to orbit the moon for the first time in 50 years, will launch from Cape Canaveral in just over a year. At a House Space and Aeronautics Subcommittee, Rep. Mike Haridopolos said that NASA and Congress must keep that effort on track.

“If we succeed, we will clear the path for Artemis 3 in 2027, when American astronauts will once again step onto the lunar surface and plant the Stars and Stripes,” the Indian Harbor Beach Republican said.

Artemis II will launch from Cape Canaveral in just over a year. Image via Space.com.

“This is the most significant moment for America’s space program since the Apollo program. We stand at a crossroads: The world is watching and our competitors, like Communist China, are racing to beat us there. We cannot afford to fall behind; this is an opportunity to prove that America still leads the world in exploration and innovation. Failure is not an option.”

As Chair of the subcommittee, Haridopolos said he would act as a watchdog to ensure that every dollar NASA spends contributes to reaching the moon and (eventually) Mars.

“The Moon is our crucial steppingstone — a proving ground to test technologies, refine operations and reduce risks for that future Mars mission. Every step we take toward the Moon is a giant leap toward Mars,” he said. “To my fellow Americans, you deserve to know your dollars are spent wisely. We will conduct careful oversight to ensure that NASA operates at the highest standards, and we will settle for nothing less than efficiency, productivity, and results.”

Grift shift

A tense exchange over name-calling nearly got Rep. Maxwell Frost ejected from a House Oversight hearing. Committee Chair James Comey threatened to have the Sergeant-at-Arms forcibly remove Frost from the chamber after Frost called Trump the nation’s “Grifter in Chief” and said the President and Department of Government Efficiency head Musk are using their positions to enrich themselves.

Other Republican members called for the remark to be stricken from the record. “Would you like to revise your remark as to improperly identifying the President of the United States?” Comer asked.

Maxwell Frost’s remarks lead to a clash at a House Oversight hearing.

Frost changed his language to refer to Trump as “engaged in grifting” and said he felt no need to go further after watching Comer call Biden “corrupt for two years.” He eventually left the committee voluntarily after Comey hinted at his forced removal. While Comer struck the comment from the record, Frost issued a statement that didn’t shy from even more colorful language.

“Donald Trump is a grifter; he lied to the American people to get back inside the White House. And Elon Trump is his puppeteer. They are openly using their public offices to enrich themselves and their already-rich friends,” Frost said.

“James Comer can hide behind the Sergeant in Arms and have me removed and arrest me if he wants to. But that’s not going to stop me from calling out Donald Trump and his bullshit.”

Epstein irritation

Rep. Anna Paulina Luna is furious that a congressional task force she heads hasn’t received information being released on Jeffrey Epstein.

Attorney General Pam Bondi promised to release significant information about the dead sex trafficker. But Luna, who leads the recently formed Task Force on the Declassification of Federal Secrets, feels that panel should have looked at more records by now.

Anna Paulina Luna expresses anger over lack of access to Epstein information.

“I nor the task force were given or reviewed the Epstein documents being released today,” Luna posted on X. “A NY Post story just revealed that the documents will simply be Epstein’s phone book. THIS IS NOT WHAT WE OR THE AMERICAN PEOPLE ASKED FOR. GET US THE INFORMATION WE ASKED FOR instead of leaking old info to press.”

She referenced a report by New York Post reporter Steven Nelson that said Epstein’s personal address book, a 100-page document, would be published without context. The newspaper had a heads-up that the list would include Trump, former President Bill Clinton, Microsoft founder Bill Gates and Prince Andrew of Britain. But importantly, it isn’t a “client list;” it is just contacts for known associates of Epstein.

The same information was distributed to a series of conservative influencers later in the day, but the lack of new revelations led to far-right backlash. For her part, Bondi blamed a New York FBI office for sitting on further records not provided for review and redaction.

Speculation swirled for years about what influential figures may have engaged in criminal activity associated with Epstein, a tech billionaire who died in custody in 2019 while awaiting trial for sex trafficking minors in Florida and New York. While authorities ruled his death a suicide by hanging, Epstein’s network of business and political connections has fueled speculation about his death for years.

That’s part of why Luna’s task force listed scrutinizing the “Epstein client list” among tasks including the investigation of the assassination of John F. Kennedy and the lead-up to the Sept. 11, 2001, terrorist attacks among its priorities.

Taxing authority

This week, Rep. Vern Buchanan was elevated to the position of one of Congress’ senior tax writers. The Longboat Key Republican was named to the Joint Committee on Taxation.

“I’m honored to join this respected panel, which has a large and experienced staff of economists, analysts and accountants who provide guidance to Congress on tax legislation,” Buchanan said. “I look forward to working with members of the Joint Committee as Congress prepares to write historic legislation to cut taxes for millions of Americans.”

Vern Buchanan becomes one of Congress’ senior tax writers.

The nonpartisan, bicameral committee comprises some of the most senior members of the House Ways and Means Committee, of which Buchanan is the longest-serving Republican and the Senate Finance Committee. Created in 1926, the committee prepares official revenue estimates of all tax legislation considered by Congress and drafts legislative histories for tax-related bills.

Parkland policymaking

The Democrat who shepherded a school safety and gun control bill to passage in Florida’s Republican Legislature still hopes Congress will adopt more provisions of the Parkland law at the national level.

Rep. Jared Moskowitz filed two bipartisan bills this week, the Alyssa’s Legacy Youth in Schools Safety Alert (ALYSSA) Act and the Strengthening Our Schools (SOS) Act, which he hopes will find support on both sides of the aisle. The ALYSSA Act, named for Marjory Stoneman Douglas High shooting victim Alyssa Alhadeff, would require silent panic alarms in schools to alert law enforcement of an active shooter situation. The SOS Act would increase investments in School Resource Officers nationwide.

Jared Moskowitz introduces bipartisan school safety bills in Congress.

“Congress has to use every tool we can to ensure schools have the resources to respond to emergency situations and the ALYSSA Act and SOS Act I filed with Congressman (Josh) Gottheimer are common sense solutions to build those out,” said Moskowitz, a Parkland Democrat. “By improving emergency notification systems and the availability of first responders at Florida schools, Congress can take necessary action with this bill to help protect our students, teachers, and families.”

Broward County School Board member Lori Alhadeff, mother to Alyssa, came out in favor of the legislation.

“I strongly encourage swift action to pass the ALYSSA Act nationally so that every school can have a panic button as a standard level of safety protection,” said Alhadeff, President of Make Our Schools Safe. “Our children deserve immediate access to emergency response — there is no time to wait when lives are on the line.”

TPS legacy

Rep. Frederica Wilson led a letter questioning Homeland Security Kristi Noem over her decision to vacate Temporary Protected Status (TPS) early for Haitian refugees.

“Your recent notice contradicts the determination made by former Secretary Alejandro Mayorkas, yet we see no compelling evidence that justifies this abrupt change,” the Miami-Dade Democrat wrote in a letter to Trump and Noem.

Frederica Wilson challenges Kristi Noem on decision affecting Haitian TPS recipients.

“Returning individuals to Haiti, where their safety and well-being are at serious risk, is not only unjust but also goes against our moral obligation to protect those in need. As champions of equality and human rights, we are compelled to oppose this decision, which jeopardizes the well-being of Haitian nationals and sets a concerning precedent for U.S. humanitarian policy. When Haitians are supported and unified, they possess profound potential for recovery and growth. We remain highly concerned about your administration’s hostile tone concerning TPS, where a DHS spokesperson claimed that the TPS system has been abused and exploited for decades. First, TPS is not being abused or exploited by foreign nationals, and the claims as such are cruel and uncouth.”

Wilson notes that the TPS system originated under Republican President George H.W. Bush in 1990. The letter states that the tool is vital for demonstrating U.S. humanitarian values.

“We urge you to rescind this decision, reaffirm TPS for Haitian Nationals and engage with Congress, humanitarian organizations, and the Haitian diaspora to address the urgent situation in Haiti,” the letter reads. “Our values as a nation dictate that we extend compassion and support to our neighbors facing adversity.”

Venezuela sanctions

A decision by Trump and Secretary of State Marco Rubio to restore sanctions on Venezuelan President Nicolás Maduro’s government drew mixed reviews from Florida lawmakers.

“Pursuant to POTUS directive, I am providing foreign policy guidance to terminate all Biden-era oil and gas licenses that have shamefully bankrolled the illegitimate Maduro regime,” Rubio posted.

Trump administration renews sanctions against Venezuela; South Florida lawmakers support move.

Reps. Mario Díaz-Balart, Carlos Giménez and María Elvira Salazar, all South Florida Republicans, held a news conference to announce the move. The three lawmakers also released a joint statement cheering “promises made, promises kept.”

“Within his first 100 days, President Trump has made clear that American Prosperity and National Security must come first,” the statement reads.

“Since day one, his foreign policy has prioritized national security in the Western Hemisphere by focusing on mutual priorities that will bolster stability, security, and prosperity both at home in and in our region. For example, he restored a tough U.S. policy on Cuba by placing the regime back where it belongs — on the State Sponsor of Terrorism list. He also reinstated the Cuba Restricted List to prohibit financial transactions with the Cuban military, and once again allowed those whose property was confiscated by the Castro regime to sue those who profit from their stolen property.”

But to Rep. Debbie Wasserman Schultz, a Weston Democrat, the move seemed hollow. Trump only returned sanctions when Maduro refused to accept deported aliens back into his country, and Wasserman Schultz said even trying to negotiate with the regime was a betrayal.

“In his first one hundred days, President Trump renewed Chevron’s license before he revoked it. He did so quietly earlier this month in exchange for Maduro’s cooperation in the mass expulsion of law-abiding Venezuelans from the U.S. while revoking Temporary Protected Status and parole,” she said.

“My support for defunding the Maduro regime’s crimes against humanity and promoting democracy in Venezuela has been clear, regardless of who is in the White House. And while I welcome President Trump’s change of heart, his decision to revoke this license was his anger that Maduro wasn’t taking deported Venezuelans fast enough, rather than how fast we can restore Venezuela’s freedom. Trump does not care how many Venezuelans have been tortured, killed or jailed by Maduro. He is solely focused on how many he can deport. And he is clearly willing to dispense with democracy, human rights, and our international interests to achieve that goal.”

On this day

Feb. 28, 1961 — “John Kennedy names Henry Kissinger as special adviser” via Famous Daily — The man who shaped foreign policy for at least three presidential administrations got his start with a young Kennedy. Kissinger graduated summa cum laude with a bachelor’s degree from Harvard, returned there to complete his doctoral and stayed on as a member of the faculty. He had already made a name for himself when his former dean brought him in to advise President Kennedy on foreign policy. Kennedy appointed Kissinger as a consultant for foreign affairs. Despite spending only several days a week in the White House and being kept at bay by his dean-turned-boss, Kissinger earned vast influence over the President’s policies.

Feb. 28, 1993 — “The Branch Davidian siege begins” via Waco History — Vernon Howell, who changed his name to David Koresh in 1990, assumed leadership of the Branch Davidians and increasingly incorporated radical ideas into his messages. The Bureau of Alcohol, Tobacco and Firearms obtained search and arrest warrants for Koresh on weapons charges, noting the many firearms the group accumulated. The ATF originally planned a raid for March 1, but the bureau changed the date in response to the Waco Tribune-Herald’s series, which alleged Koresh physically abused children at Mount Carmel. Any advantage of surprise was lost when a KWTX-TV reporter, tipped off about the raid, asked a mail carrier for directions, who was actually Koresh’s brother-in-law.

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Peter Schorsch publishes Delegation, compiled by Jacob Ogles, edited and assembled by Phil Ammann and Ryan Nicol.


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Carlos Guillermo Smith wants to help disabled Floridians keep coverage and become self-sufficient

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‘Floridians with disabilities too often have to choose between earning a living or having the essential services they need.’

Sen. Carlos Guillermo Smith wants to make sure every Floridian with disabilities can afford to work for a living.

The Orlando Democrat just introduced the Economic Self-Sufficiency for Working Individuals with Disabilities Act (SB 1686), which would require the Agency for Health Care Administration (AHCA), pending federal approval, to implement and administer a Medicaid buy-in program for specified individuals with disabilities

“Floridians with disabilities too often have to choose between earning a living or having the essential services they need,” Smith said.

“This is a serious barrier to economic self-sufficiency that discourages work for people with disabilities. Current Working People with Disabilities programs only cover those currently enrolled in certain Medicaid waiver services and substantially limits eligibility. That’s why we introduced SB 1686 to give Floridians with disabilities who face restrictions through traditional Medicaid on their ability to work and support themselves financially, the opportunity to keep the Medicaid benefits they need and earn their full potential.”

The bill allows for AHCA to establish conditions and income level requirements around programs.

A companion bill (HB 1373) was filed by Rep. Rita Harris, an Orlando Democrat also working with Smith on legislation to expand anaphylaxis policies and training in public schools.

The latest legislation already boasts support from within Florida’s disability community.

“There are a lot of talented people in the disability community who want to work,” said Olivia Keller, a disability rights advocate and former Senate candidate. “The services they NEED to work and live independently are not offered by any other program, public or private, EXCEPT through Medicaid. The people who are most likely to buy-in to Medicaid are already on Medicaid but they’re not working for fear of losing these essential services.

“If you’re going to be paying for their healthcare regardless, then why not allow them to have disposable income so they no longer have to rely on SNAP (Supplemental Nutrition Assistance Program) or housing vouchers, programs they depend on more because they’re trapped in poverty than due to their disability. This would be mutually beneficial for the state and disabled people, so why haven’t we already done this?”


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The truth about Florida’s insurance market — an agent’s perspective

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As an insurance agent serving Florida homeowners for decades, I have seen firsthand how the challenges of our state’s insurance market impact policyholders.

A recent article in the Tampa Bay Times by Laurence Mower presents an incomplete and misleading view of our industry. It implies that insurers are funneling money to investors while crying poor.

That narrative is not just inaccurate — it’s reckless.

Mower’s reporting relies on half-truths, cherry-picked data, and a blatant disregard for the structural realities of Florida’s insurance market. His article is a textbook example of sensationalist journalism that ignores hard facts in favor of a clickbait narrative that fuels public anger while doing nothing to solve the real issues at hand.

The reality of rising costs for policyholders

I don’t need a report to tell me what my clients already know and what I’ve seen every day for over five years — insurance rates have gone up, and coverage options have become more limited. But the reasons behind these increases are often misunderstood.

Mower’s article suggests that insurers are manipulating their finances to justify rate hikes, ignoring the real factors at play: massive legal abuse, skyrocketing reinsurance costs, aggressive and blatantly fraudulent roofing claims, and a market that has seen multiple companies fail in just a few years.

For years, Florida’s insurance market has been crippled by excessive lawsuits and roof fraud. Prior to recent reforms, our state accounted for nearly 80% of all homeowners insurance litigation in the U.S., even though we made up just 9% of claims.

The cost of these lawsuits didn’t just hurt insurance companies — it was passed down to every homeowner in the form of higher premiums. As an agent, I’ve seen long-time clients struggle with these increases through no fault of their own, and I’ve had to explain why their choices are shrinking. And it’s awful.

The essential role of MGAs in Florida’s market

One of Mower’s most misleading claims is his attack on Managing General Agents (MGAs), which he paints as a tool for insurers to extract profits at the expense of policyholders. This argument is not just false — it’s dangerously ignorant.

The MGA structure is the backbone of Florida’s insurance market, ensuring that private insurers can operate efficiently in one of the highest-risk insurance environments in the world.

Why MGAs are critical to Florida’s market stability

Florida is unique in that its extreme hurricane risk makes it a financial minefield for insurers. Large national carriers have largely pulled back from the state, unwilling to bear the catastrophic exposure, leaving Floridians dependent on a network of smaller, specialized domestic insurers.

These insurers rely on MGAs to provide essential operational functions, including:

  • Underwriting Expertise: MGAs ensure that risk is assessed accurately, and policies are priced appropriately, preventing financial instability that could lead to mass insurer failures.
  • Claims Management Efficiency: In a state where hurricanes can lead to tens of thousands of simultaneous claims, MGAs provide the infrastructure to process claims swiftly and fairly.
  • Reinsurance Procurement: MGAs negotiate reinsurance agreements, a necessity for any insurer operating in Florida’s high-risk environment. Without effective reinsurance strategies, insurers would be unable to pay claims after a major storm, leaving homeowners unprotected.
  • Policy Administration and Compliance: MGAs handle policy issuance, regulatory compliance, and administrative functions, allowing insurance companies to focus on financial stability.

The economic reality: MGAs attract capital

One of the most critical but least understood aspects of MGAs is their role in attracting private investment to Florida’s insurance market.

Without a structured system that allows for investor returns, capital would flee the state, leaving homeowners with even fewer choices. We don’t get a pass on the economic reality of operating a business just because we don’t like it.

Former Florida Insurance Commissioner Kevin McCarty has explicitly stated that MGAs are indispensable in keeping Florida’s market afloat.

Similarly, Jeff Grady, former CEO of the Florida Association of Insurance Agents (FAIA), has warned that dismantling the MGA structure would “kill the only thing that we have left, which is the manner in which we bring capital to our state.”

The reality is simple: If MGAs are overregulated or dismantled, Florida’s private insurance capacity will collapse, driving even more homeowners into Citizens Property Insurance Corporation, the state-run insurer of last resort.

Exposing Mower’s reckless journalism

Laurence Mower’s article doesn’t just misinform — it actively undermines efforts to solve Florida’s insurance crisis. His claims rely on selective reporting, ignoring key industry realities while cherry-picking data that fits his predetermined narrative.

Mower fails to acknowledge that every MGA contract is rigorously reviewed and approved by the Florida Office of Insurance Regulation (OIR) to ensure fairness. He neglects to mention that MGAs are essential to keeping insurers solvent, and he blatantly ignores the role that rampant litigation, roof fraud, and reinsurance costs have played in driving up rates. He glides right by the comment that many affiliated companies poured back almost $700 million to the insurance companies in order to keep them from insolvency.

By focusing on a sensational attack on insurers, Mower diverts attention from the real issues: the trial bar’s exploitation of the legal system, the billions lost to frivolous lawsuits, the abusive and fraudulent roof replacement schemes, and the increasing cost of catastrophic reinsurance. These are the true drivers of Florida’s insurance crisis — not the necessary and well-regulated role of MGAs.

The path forward: Smarter solutions, not misguided attacks

Rather than feeding into misleading narratives like Mower’s, we need real solutions that address the actual problems plaguing Florida’s insurance market:

  • Reducing Litigation Abuse: Florida has made progress with recent legislative reforms. Although more work is needed to curb predatory lawsuits and roof replacement schemes, we need to allow the 2022 reforms to continue to work. It took us ten years to get into this mess, and in an ultra-regulated industry, it will take more than 24 months for the effects to really be felt.
  • Reinsurance Affordability Initiatives: State and federal policymakers must work to make reinsurance more affordable, ensuring that insurers can remain solvent while keeping premiums manageable.
  • Protecting the MGA Structure: Lawmakers must resist reactionary policies that weaken MGAs, which are essential to keeping private insurance capital in Florida.

The bottom line is that MGAs are not the problem — sensationalist reporting and misguided regulatory efforts are.

If we allow misinformation to drive policy decisions, we risk collapsing Florida’s still fragile insurance market. Instead of attacking the industry, we should work toward solutions that keep insurance affordable and available for homeowners.

Mower’s article does nothing to help Florida’s homeowners. At best, it’s misguided. More likely, it’s simply naïve and uninformed about business economics or the insurance industry. Either way, the narrative drawn is misleading and undermines the very reforms that could stabilize our market, bring back coverage options, and reduce rates for Florida property owners.

As an agent who sees the real impact of these policies every day, I will continue fighting for truth, transparency, and real solutions while pointing out incomplete or naive information when I see it.

___

Allen McGinniss is the principal of the McGinniss Himmel Insurance Agency, LLC.


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Judge says ‘hard row to hoe’ for Florida to justify social media ban for young teens

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A federal Judge on Friday told lawyers in a landmark social media case it would be a “hard row to hoe” for state officials to justify a complete ban on social media for young teenagers, signaling his skepticism toward the new Florida law championed by Gov. Ron DeSantis.

U.S. District Judge Mark Walker did not immediately rule on a request for a preliminary injunction that would further block the new law from taking effect. Walker said a decision may come within three weeks.

Walker’s questions during oral arguments in his courtroom in U.S. District Court for the Northern District of Florida also included a pointed jab at Republican themes — on public policy issues like school vouchers and what can be taught in classrooms — that the GOP wants to empower parents to make choices on behalf of their children.

The law would include an outright ban for social media accounts for teens younger than 14, no matter how parents feel.

Florida “picks and chooses when parents make a decision” for their children, the Judge said.

The social media law, which was supposed to take effect Jan. 1, would block anyone under 16 from using some social media but would allow 14- and 15-year-olds to use the online services with a parent’s permission. Companies that violate the law could be fined up to $50,000 per violation.

The hearing Friday was supposed to last fewer than 90 minutes — but stretched more than three hours. It was supposed to focus narrowly on the request by tech companies to temporarily block the law, at least until a broader decision is resolved on whether the law is constitutional.

The Judge’s questions to lawyers for the technology companies and the attorney general seemed aimed at the heart of the case.

Walker said it would be a challenge to justify how a complete ban for minors under 14 doesn’t infringe on their First Amendment rights to free speech. He said he has trouble finding differences with a social media ban that lawmakers in Utah tried to implement in 2024, which was blocked by a Judge.

Walker was appointed by then-President Barack Obama in 2012 and has often ruled against the DeSantis administration, although at times those decisions have been overturned by higher courts.

The lawyer for Florida’s Attorney General, Kevin Golembiewski, said the ban doesn’t intend to restrict the speech of minors. He said it was meant to reduce their exposure to harmful content online and addictive practices that companies use to keep users on the app. The state has described those practices as scrolling videos or other content infinitely, or algorithms that serve videos based on users’ perceived interests.

The lawyer for the tech companies, Erin Murphy, said social media features like push notifications help users know when their friends are interacting with them on the platform, which if removed from the app would cease to do what it was designed to do. It would be impossible for these platforms to shut down features that make users engage with the app, Murphy said.

Although the law is intended to keep young teens off social media, it also necessarily could require that adult users of some of the most popular platforms prove their age. There are few generally agreed-upon, full-proof methods for age verification on the internet.

One wrinkle that hasn’t been ironed out: Exactly which social media apps are covered under the ban? The law doesn’t name any particular company’s products but says it applies only to social media platforms with addictive features and with 10% or more of daily active users who are younger than 16 and who spend an average of two hours or more on the service. All conditions must be met, or the law doesn’t apply to that social media provider.

Walker said it would be the tech companies’ responsibility to compile the data on their users to determine whether the law applied to them.

The law was a priority last year for DeSantis and the GOP-led House and Senate. DeSantis vetoed an early version of the proposal after a dispute with lawmakers about whether to give parents the choice for 14- and 15-year-olds.

In the face of legal questions after DeSantis signed the law, then-Attorney General Ashley Moody paused enforcing the ban until the outcome of the federal case in Tallahassee.

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This story was produced by Fresh Take Florida, a news service of the University of Florida College of Journalism and Communications. The reporter can be reached at [email protected]. You can donate to support our students here.


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