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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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Emily Duda Buckley family business gets philanthropic, gives $200K to cancel student lunch debt

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As part of its 100th anniversary celebrations, family-operated agriculture and real estate company DUDA has donated $200,000 to the nonprofit All for Lunch program to eliminate school lunch debt for students in Seminole County who qualify for free or reduced meals.

The company, which owns a suite of brands across the country in both agriculture and real estate development, includes leadership from Emily Duda Buckley, who is running for House District 38 to replace term-limited incumbent David Smith.

Duda Buckley is the senior manager for external affairs for DUDA, where she leads the company’s external engagement strategy with a primary focus on community relations, philanthropy and industry partnerships. She also monitors public policy and regulatory developments that may impact business operations.

“Education begins with meeting basic needs,” Duda Buckley said of the company’s donation to All for Lunch. “Clearing school lunch debt helps remove a quiet but very real barrier for students and families, and our family business is honored to support Seminole County schools in this meaningful way. When we support students, we support the entire community.”

The Duda family presented a check Tuesday to All for Lunch and Seminole County Public Schools, at Pine Crest Elementary.

“As we celebrate 100 years, it’s important for us to give back to the community that helped shape who we are,” said Tracy Duda Chapman, Chief Legal and Administrative Officer at DUDA.

“Our family firmly believes in sharing our blessings, and eliminating this lunch debt allows us to put those values into action and support Seminole County families in a tangible way. No child should carry the weight of a lunch debt, and we’re honored to help ensure students have access to the nutritious foods they need to optimize learning.”

The donation from DUDA will clear lunch balances for more than 3,600 Seminole County students who qualify for free meals and another 1,425 who receive reduced-price meals, collectively helping more than 5,000 students eliminate stress and focus on learning.

“DUDA’s donation made an immediate difference for thousands of students. When a partner steps forward at this scale, it allows us to lift a burden that many parents quietly struggle with. This gift didn’t just erase debt — it offers relief for families navigating tight household budgets month-to-month,” All for Lunch founder and Executive Director Alessandra Ferrara-Miller said.

It’s estimated that 1 in 6 kids in Central Florida face hunger on any given day, and Seminole County school leaders say this type of philanthropic support is a huge relief to those students and their families.

“The extraordinary generosity of DUDA exemplifies that community partnerships make a significant impact on the lives of our students and families,” Seminole County Public Schools Superintendent Serita Beamon said.

“This support provides a fresh start for many of our families and helps to ensure students and their families can focus on learning. On behalf of our students, families, and staff, thank you for making such a meaningful difference.”

And Seminole County Schools are also using the Duda family philanthropy as a tool to attract additional donors. All for Lunch has established a special donation page in honor of DUDA’s 100th anniversary contribution, allowing anyone in Central Florida to chip in to make a difference.

Emily Duda Buckley is one of three Republicans currently vying for the HD 38 seat, and she’s off to an early lead, with nearly $134,000 raised. The other two Republicans in the race are far behind, with Marcus Hyatt banking more than $35,000 and Austyn Cydney Spell hasn’t reported any fundraising.



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Have Democrats given up on the Pinellas County Commission?

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Three Pinellas County Commission seats are up for election this year, and Republicans incumbents are seeking re-election in all of them. Those office-holders appear relatively safe if 2025 campaign finance reports are any indication.

Brian Scott, who represents the countywide District 2 seat, is so far unopposed. Qualifying in the races runs June 8-12, so there is still time for a challenger to emerge. However, any would-be challenger would enter the race at an immediate funding disadvantage, with Scott raising more than $94,000 as of the end of 2025.

The other two incumbents facing re-election this year — Dave Eggers in District 4 and Kathleen Peters in District 6 — have drawn challengers, though neither have posted significant fundraising activity since entering the race.

There isn’t a Democrat challenging Eggers so far, but he faces intraparty opposition from fellow Republican Tony Ringelspaugh. Ringelspaugh, who describes himself as retired, raised just $1,000 since entering the race in October, and half of that was a contribution from himself to his campaign. As of Dec. 31, he hadn’t spent any of it.

Eggers, meanwhile, has raised nearly $19,000 and retains about $13,000. It’s a small sum compared to fundraising activity in past Pinellas County Commission races — note Scott’s nearly six-figure haul for a so far unopposed race — but it’s still enough to create a wide funding gap between his opponent.

And Ringelspaugh doesn’t appear to be actively campaigning at this point. His most recent post to his campaign Facebook page was on Oct. 15 announcing his bid. Ringelspaugh does not appear to have a campaign website, either.

Eggers also has strong institutional support, including recent nods from U.S. Reps. Gus Bilirakis and Anna Paulina Luna.

Eggers faced intraparty opposition four years ago, but won re-election that year with 68% of the vote. If no Democrat enters the race, and no one files as a write-in to close the Primary, the GOP Primary will be open to all voters.

District 4 covers the northernmost parts of Pinellas County, including Palm Harbor, East Lake, Tarpon Springs, Dunedin and Safety Harbor.

Peters is the top fundraiser among incumbents up for re-election this year, with $103,000 raised as of Dec. 31. Her opponent, architect David Glenn Jr., a Democrat, has collected less than $2,300.

While Glenn entered the race in December and only had three weeks of fundraising to report, his early activity doesn’t show a lot of momentum. All of his funds came from the candidate himself. Still, he has been at least somewhat active on social media and in the community, speaking at local Democratic clubs. His campaign website, though, doesn’t list any upcoming events.

Glenn previously said he was running to disrupt what he describes as entrenched county leadership. His platform emphasizes land use and development policy, arguing the need for more density and carefully planned growth. He also favors increased support for public transportation and affordable housing, and wants to crack down on nuisance short-term rental properties, among other priorities.

But getting that message to voters amid a six-figure funding deficit will be a challenge, and like her colleagues on the dais, Peters will have plenty of support from the county’s donor class.

Peter’s fourth-quarter haul, which was nearly $40,000, included top $1,000 donations from a number of local businesses and interests, including Marine construction companies Speeler Helicals, Bayside Dredging, Tampa Bay Marine Contractors, Haven Dock & Marine, Decks & Docks Lumber, Waterfront Property Services, and BCJ 2.

She also received top donations from a couple of bowling alleys, and from interests in real estate development, insurance, restaurant and automotive industries. The political committee supporting state Rep. Linda Chaney cut a $1,000 check in the fourth quarter, as did former state Rep. Jackie Toledo, both Republicans, among other donors.

First elected in 2018 with 60% of the vote over Democrat Amy Kedron, Peters was re-elected in 2022 without opposition.

Taken collectively, the three County Commission seats up for election this year may prove to be sleepy affairs unless current challengers step up campaign efforts.

The lack of competitive races so far may be a result of Pinellas County’s position as an increasingly red region. For Scott, countywide voter registration favors Republicans by about 47,000 voters. In Eggers’ District 4, Republicans outnumber Democrats by about 29,000 voters, and Democrats trail Republicans in Peters’ District 6 by about 23,000 voters.



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Florida Council of 100 recommends major upgrades in state severe weather prep

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A new report on Florida’s resilience to natural disasters concludes there are key challenges ahead for the state, as well as opportunities to modernize infrastructure to help streamline recovery after an emergency.

The Florida Council of 100 (FC 100), made up of of business leaders who analyze some of the biggest challenges facing the state, published a report called “Resilience Reimagined: Modern Policy and Innovation for a Stronger Florida.”

The document analyzes how long-term economic competitiveness can expand in the face of severe weather endemic to the state. The report concludes that even as hurricanes, flooding and other severe weather events are part of Florida living, resilience can become an economic component as well as an environmental effort.

“Florida’s future will be defined by how well we prepare for and respond to storms and flooding,” said George S. LeMieux, Chair of FC 100. “Resilience is not just about repairing damage. It is about protecting our economy, safeguarding communities, and ensuring Florida remains one of the most competitive places in the world to live and do business.”

Some of the key findings in the report, published Tuesday, include warnings that failure to invest in storm preparedness will result in lost economic activity, business closings and disruption to the job market, while insurance costs could rise. Long-term investments in recovery plans can reduce losses and accelerate recovery after major weather events.

Beyond outlining the issues that could damage Florida’s business sector, the FC 100 report provides several recommendations, including:

— Streamlining post-disaster recovery and permitting to reduce delays and uncertainty

— Hardening infrastructure and utilities to limit outages and economic disruption

— Modernizing Florida’s building code to reflect evolving flood, wind, and energy risks

— Incentivizing resilience investments by homeowners and communities

— Supporting resilience innovation and commercialization to grow new industries and jobs

“The choices we make now will shape Florida’s quality of life and economic strength for generations,” said Michael Simas, President and CEO of the FC 100. “This report offers a clear path forward and an opportunity for Florida to define itself not by its exposure to storms, but by its ability to thrive despite them.”

The FC 100 has more than 200 companies in its membership that represent more than 1.3 million workers in the state.



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