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House panel to probe AI use in insurance after reform push stalled last Session

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State lawmakers will begin a fact-finding mission next week to determine how insurers use artificial intelligence, potentially renewing efforts that stalled last Session amid scrutiny of algorithms in claim decisions, pricing and consumer services.

The House Insurance and Banking Subcommittee, chaired by New Port Richey Republican Rep. Brad Yeager, has scheduled a Tuesday panel on the industry’s current and future AI uses.

No bills are listed on the 12:30 p.m. meeting’s agenda.

Yeager told Florida Politics the purpose of the meeting is to gather testimony ahead of the 2026 Session.

“It’s just education. We know AI is here. It’s on the rise in all facets of business and life, and we need to learn more about it,” he said.

“Some people hear ‘AI’ and it scares them to death. Others are early adopters and probably use it before it’s really ready to be used for something. We want to get more information about it, give the committee a time to ask and answer questions and dive into what AI is and what it really means in this application.”

The hearing follows proposals that failed this Spring that would have curbed automated claim denials. A pair of Senate bills (SB 1740, SB 794) would have required a “qualified human professional” to make or sign off on any denial decision and bar AI, machine-learning or automated systems from serving as the sole basis to deny a claim.

Those measures, sponsored respectively by former Sen. Blaise Ingoglia — now the state’s CFO — and Fleming Island Republican Sen. Jennifer Bradley, cleared their initial committee stops but died in appropriations.

House companions (HB 1433, HB 1555) by Republican Reps. Yvette Bennaroch of Marco Island and Hillary Cassel of Dania Beach fared no better. Cassel is Vice Chair of the Insurance and Banking Subcommittee.

National regulators have been laying groundwork for some restrictions. The National Association of Insurance Commissioners (NAIC) adopted broad AI principles in 2020 — prioritizing fairness, accountability, compliance and transparency — and followed with a detailed “model bulletin” in 2023, which states can adopt, urging carriers to document and govern their AI systems, monitor data quality and bias, and maintain human oversight throughout policy lifecycles.

Florida’s review comes as consumer unease persists over opaque automation. In a press release this week, former House candidate Jay Shooster, a Democratic lawyer with ample ties to the tech industry, backed mandatory call center disclosures so consumers know when they’re interacting with AI. He cited a survey by live answering service company Answering Service Care, which found that 8 in 10 respondents want to know if they’re speaking to AI and 37% would lose trust in a company that hides it.

“If AI becomes advanced enough to be indistinguishable from humans and is used without disclosure, consumers can be misled and manipulated,” Shooster said in a statement. “That’s a dangerous path, whether in consumer service, healthcare, finance, or political communication.”

On the telephone front, the Federal Communications Commission last year ruled that AI-generated voices in robocalls are covered by the Telephone Consumer Protection Act, making such calls illegal without consent and giving enforcers another tool against deceptive voice cloning.

Other states have forged ahead on the issue. California’s Physicians Make Decisions Act, which went into effect in January, requires that any denial, delay or modification of care based on medical necessity be decided by a licensed clinician with relevant expertise, not solely by AI tools used by insurers.

Utah enacted an AI disclosure statute for consumer interactions last year, and Colorado’s AI Act, effective next year, will mandate that companies use care in using high-stakes AI and guarantee access to a human following an adverse decision, like denying a job or loan.

Health insurers have faced particular scrutiny over their AI use after investigations into algorithmic claim handling and prior authorization denials. But the reach of states is uneven; they have clearer authority over fully insured plans than over large employers’ self-funded coverage, while Medicaid is shaped by federal rules and contracts.

That complex, asymmetrical tapestry is among the reasons some Legislatures, including Florida’s, have focused on universal “humans in the loop” requirements, documentation and notice standards that can apply across product lines overseen by state regulators.

For Florida’s property insurance market, still struggling with storm losses and carrier exits, lawmakers and regulators are watching how AI is used in claims, underwriting, fraud detection, catastrophe modeling and customer service.

The NAIC bulletin’s emphasis on data governance and bias testing could feature heavily into Tuesday’s discussion, as could whether lawmakers should copy earlier AI-focused legislation or craft a separate disclosure-and-appeals framework that preserves the speed advantages of automation without allowing so-called “black box” denials.

Florida’s 2026 Legislative Session begins its regular schedule Jan. 13.



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Debra Tendrich turns ‘pain into policy’ with sweeping anti-domestic violence proposal

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Florida could soon rewrite how it responds to domestic violence.

Lake Worth Democratic Rep. Debra Tendrich has filed HB 277, a sweeping proposal aimed at modernizing the state’s domestic violence laws with major reforms to prevention, first responder training, court safeguards, diversion programs and victim safety.

It’s a deeply personal issue to Tendrich, who moved to Florida in 2012 to escape what she has described as a “domestic violence situation,” with only her daughter and a suitcase.

“As a survivor myself, HB 277 is more than legislation; it is my way of turning pain into policy,” she said in a statement, adding that months of roundtables with survivors and first responders “shaped this bill from start to finish.”

Tendrich said that, if passed, HB 277 or its upper-chamber analogue (SB 682) by Miami Republican Sen. Alexis Calatayud would become Florida’s most comprehensive domestic violence initiative, covering prevention, early intervention, criminal accountability and survivor support.

It would require mandatory strangulation and domestic violence training for emergency medical technicians and paramedics, modernize the legal definition of domestic violence, expand the courts’ authority to order GPS monitoring and strengthen body camera requirements during investigations.

The bill also creates a treatment-based diversion pathway for first-time offenders who plead guilty and complete a batterers intervention program, mental-health services and weekly court-monitored progress reporting. Upon successful completion, charges could be dismissed, a measure Tendrich says will reduce recidivism while maintaining accountability.

On the victim-safety side, HB 277 would flag addresses for 12 months after a domestic-violence 911 call to give responders real-time risk awareness. It would also expand access to text-to-911, require pamphlets detailing the medical dangers of strangulation, authorize well-check visits tied to lethality assessments, enhance penalties for repeat offenders and include pets and service animals in injunctions to prevent coercive control and harm.

Calatayud called it “a tremendous honor and privilege” to work with Tendrich on advancing policy changes “that both law enforcement and survivors of domestic abuse or relationship violence believe are meaningful to protect families across our communities.”

“I’m deeply committed to championing these essential reforms,” she added, saying they would make “a life-or-death difference for women and children in Florida.”

Organizations supporting HB 277 say the bill reflects long-needed, practical reform. Palm Beach County firefighters union IAFF Local 2928 said expanded responder training and improved dispatch information “is exactly the kind of frontline-focused reform that saves lives.”

The Florida Police Benevolent Association called HB 277 a “comprehensive set of measures designed to enhance protections” and pledged to help advance it through the Legislature.

The Animal Legal Defense Fund praised provisions protecting pets in domestic violence cases, noting research showing that 89% of women with pets in abusive relationships have had partners threaten or harm their animals — a major barrier that keeps victims from fleeing.

Florida continues to see high levels of domestic violence. The National Coalition Against Domestic Violence estimates that 38% of Florida women and 29% of Florida men experience intimate-partner violence in their lifetimes — among the highest rates in the country.

With costs rising statewide, HB 277 also increases relocation assistance through the Crimes Compensation Trust Fund, which advocates say is essential because the current $1,500 cap no longer covers basic expenses for victims fleeing dangerous situations.

Tendrich said survivors who contributed to the bill, which Placida Republican Rep. Danny Nix is co-sponsoring, “finally feel seen.”

“This bill will save lives,” she said. “I am proud that this bill has bipartisan support, and I am even more proud of the survivors whose bravery drives every line of this legislation.”



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Ash Marwah, Ralph Massullo battle for SD 11 Special Election

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Even Ash Marwah knows the odds do him no favors.

A Senate district that leans heavily Republican plus a Special Election just weeks before Christmas — Marwah acknowledges it adds up to a likely Tuesday victory for Ralph Massullo.

The Senate District 11 Special Election is Tuesday to fill the void created when Blaise Ingoglia became Chief Financial Officer.

It pits Republican Massullo, a dermatologist and Republican former four-term House member from Lecanto, against Democrat Marwah, a civil engineer from The Villages.

Early voter turnout was light, as would be expected in a low-key standalone Special Election: At 10% or under for Hernando and Pasco counties, 19% in Sumter and 15% in Citrus.

Massullo has eyed this Senate seat since 2022 when he originally planned to leave the House after six years for the SD 11 run. His campaign ended prematurely when Gov. Ron DeSantis backed Ingoglia, leaving Massullo with a final two years in office before term limits ended his House career.

When the SD 11 seat opened up with Ingoglia’s CFO appointment, Massullo jumped in and a host of big-name endorsements followed, including from DeSantis, Ingoglia, Agriculture Commissioner Wilton Simpson, U.S. Sens. Ashley Moody and Rick Scott, four GOP Congressmen, county Sheriffs in the district, and the Florida Chamber of Commerce.

The Florida LGBTQ+ Democratic Caucus is endorsing Marwah.

Marwah ran for HD 52 in 2024, garnering just 24% of the vote against Republican John Temple

Massullo has raised $249,950 to Marwah’s $12,125. Massullo’s $108,000 in spending includes consulting, events and mail pieces. One of those mail pieces reminded voters there’s an election.

The two opponents had few opportunities for head-to-head debate. The League of Women Voters of Citrus County conducted a SD 11 forum on Zoom in late October, when the two candidates clashed over the state’s direction.

Marwah said DeSantis and Republicans are “playing games” in their attempts to redraw congressional district boundaries.

“No need to go through this expense,” he said. “It will really ruin decades of progress in civil rights. We should honor the rule of law that we agreed on that it’ll be done every 10 years. I’m not sure why the game is being played at this point.”

Massullo said congressional districts should reflect population shifts.

“The people of our state deserve to be adequately represented based on population,” he said. “I personally do not believe we should use race as a means to justify particular areas. I’m one that believes we should be blind to race, blind to creed, blind to sex, in everything that we do, particularly looking at population.”

Senate District 11 covers all of Citrus, Hernando and Sumter counties, plus a portion of northern Pasco County. It is safely Republican — Ingoglia won 69% of the vote there in November, and Donald Trump carried the district by the same margin in 2024.



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Miles Davis tapped to lead School Board organizing workshop at national LGBTQ conference

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Miles Davis is taking his Florida-focused organizing playbook to the national stage.

Davis, Policy Director at PRISM Florida and Director of Advocacy and Communications at SAVE, has been selected to present a workshop at the 2026 Creating Change Conference, the largest annual LGBTQ advocacy and movement-building convention.

It’s a major nod to his rising role in Florida’s LGBTQ policy landscape.

The National LGBTQ Task Force, which organizes the conference, announced that Davis will present his session, “School Board Organizing 101.” His proposal rose to the top of more than 550 submissions competing for roughly 140 slots, a press note said, making this year’s conference one of the most competitive program cycles in the event’s history.

His workshop will be scheduled during the Jan. 21-24 gathering in Washington, D.C.

Davis said his selection caps a strong year for PRISM Florida, where he helped shepherd the organization’s first-ever bill (HB 331) into the Legislature. The measure, sponsored by Tampa Democratic Rep. Dianne Hart, would restore local oversight over reproductive health and HIV/AIDS instruction, undoing changes enacted under a 2023 expansion to Florida’s “Parental Rights in Education” law, dubbed “Don’t Say Gay” by critics.

Davis’ workshop draws directly from that work and aims to train LGBTQ youth, families and advocates in how local boards operate, how public comment can shape decisions and how communities can mobilize around issues like book access, inclusive classrooms and student safety.

“School boards are where the real battles over student safety, book access, and inclusive classrooms are happening,” Davis said. “I’m honored to bring this training to Creating Change and help our community build the skills to show up, speak out, and win — especially as PRISM advances legislation like HB 331 that returns power to our local communities.”

Davis’ profile has grown in recent years, during which he jumped from working on the campaigns and legislative teams of lawmakers like Hart and Miami Gardens Democratic Sen. Shevrin Jones to working in key roles for organizations like America Votes, PRISM and SAVE.

The National LGBTQ Task Force, founded in 1973, is one of the nation’s oldest LGBTQ advocacy organizations. It focuses on advancing civil rights through federal policy work, grassroots engagement and leadership development.

Its Creating Change Conference draws thousands for four days of training and strategy-building yearly, a press note said.



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