Politics
How Florida avoided California’s insurance crisis — and why it must stay the course
A few years ago, Florida’s insurance market was on the verge of collapse. Homeowners faced skyrocketing premiums, insurers were going bankrupt or fleeing the state, and Citizens, the state-backed insurer of last resort, was growing at an unsustainable pace.
The problem wasn’t hurricanes or bad luck — it was a broken legal system that incentivized fraud and endless lawsuits, threatening homeownership and the broader economy.
Then, in a rare moment of political clarity, Florida lawmakers acted. Between 2019 and 2022, they enacted sweeping reforms to stabilize the market. They took on the trial bar, curbed predatory lawsuits, and eliminated one-way attorney fees that had turned Florida into the lawsuit capital of the country.
The result? The insurance market began to recover.
But now, some want to roll back these reforms. That would be a mistake. If Florida needs a cautionary tale, it should look no further than California.
For years, California has buried its insurance market under layers of regulation, making it nearly impossible for insurers to operate sustainably. The state prohibits insurers from using predictive risk modeling, meaning they must base rates on outdated historical data rather than account for rising wildfire risks. The process for rate approvals can take years, forcing companies to either write policies at a loss or exit the market entirely. Many have chosen the latter.
The result? Insurers are abandoning California, leaving homeowners with fewer choices and higher premiums. Hundreds of thousands of policyholders have been forced into the California FAIR Plan, the state-run insurer of last resort, which was never designed to handle this level of demand. As the private market shrinks, the burden on the FAIR Plan grows, pushing costs even higher.
California’s challenges aren’t just about regulation. The state faces rising wildfire risks and soaring rebuilding costs, making home insurance more expensive. However, instead of adapting, California has doubled down on outdated policies that make it even harder for insurers to operate. That’s why well-established insurers like State Farm and Allstate have stopped writing new policies in the state.
This isn’t consumer protection. It’s a slow-motion collapse of the state’s insurance system, driven by policies that ignore economic reality.
Florida, by contrast, has spent years digging itself out of an insurance crisis. In 2022, only 16,000 policies moved from Citizens back into the private market. By 2024, that number had surged to 477,000 — a nearly 3,000% increase. Insurance lawsuit filings have dropped by nearly 70%, reducing one of the biggest cost drivers of higher premiums.
These reforms didn’t just happen. They required political courage, standing up to entrenched interests that benefited from the old system. But now, those same interests want to unwind these policies, claiming they went too far. If they succeed, Florida will be right back where it started.
There’s another piece of the puzzle that often goes unnoticed: reinsurance.
Florida insurers rely on reinsurance — essentially, insurance for insurance companies — to spread the risk of major storms. Most of this reinsurance comes from global markets, where investors constantly evaluate risk. These companies are not charities; they will raise rates if they believe Florida’s legal and regulatory environment is becoming unstable again.
Since Florida’s reforms, reinsurers have responded positively, providing more affordable coverage to primary insurers. But if policymakers reverse course, it would send a clear signal to reinsurers that Florida is returning to its old ways — giving them an excuse to hike rates. Those costs would be passed directly to homeowners.
Florida either sticks with policies that stabilize the market or follows California’s path into crisis. The state must avoid overregulation that drives insurers out and forces homeowners into state-backed coverage. A thriving market requires competition, stability, and predictability, not artificial price controls that distort incentives.
Florida lawmakers took bold action to fix the insurance crisis. Now, they need to have the discipline to stay the course. The reforms are working. The system is stabilizing. The momentum is real.
The worst thing Florida could do now is throw it all away.
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Former state Sen. Jeff Brandes is the founder and president of the Florida Policy Project.
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Politics
Tampa General Hospital is working to improve health care access in rural Palm Beach County communities
Through a series of strategic partnerships, Tampa General Hospital continues to expand access to world-class care and transform health care delivery through innovation and technology. The latest announcement aligns closely with Senate President Ben Albritton’s priority of sparking a Rural Renaissance in the Sunshine State.
Tampa General Hospital and the Health Care District of Palm Beach County reached an agreement earlier this year for Tampa General to provide administrative leadership, operational management and strategic support for Lakeside Medical Center, the Health Care District’s public teaching hospital in Belle Glade.
“With this agreement, we’re extending the strategic, operational and clinical expertise we offer at Tampa General to support the leadership, providers and teams at Lakeside Medical Center and expand access to world-class care in the Glades,” said John Couris, President and CEO of Tampa General Hospital. “It’s the best of both worlds — high quality care close to home.”
Florida’s rural areas, like most other states across the nation, have historically experienced a lack of access to high-quality health care. While the state of Florida has made strides to close the gap, there is still more work to be done. Studies have shown that rural communities experience a 40% higher preventable hospitalization rate and a 23% higher mortality rate compared to urban communities.
Lakeside Medical Center, which opened in Belle Glade in 2009, is run by the Palm Beach County Health District. The District’s Board of Commissioners approved a Management and Administrative Services Agreement during an open session on Dec. 11 after hearing a presentation from Tampa General leadership. Effective Feb. 1, Tampa General will work with Lakeside Medical Center to enhance quality of care, strengthen clinical training, recruitment and retention, and improve financial status.
“This strategic partnership combines the strengths of both organizations to advance access to high-quality health care for underserved populations,” said Darcy J. Davis, Health Care District of Palm Beach County President and CEO. “By joining forces with Tampa General, the health and wellness of our Glades communities will prosper for generations.”
Tampa General appointed Ron Doncaster vice president of business operations and integration at Lakeside Medical Center. In this role, Doncaster will oversee operations, facilitate service integration, supervise personnel and offer recommendations for innovative programming and expansion opportunities.
Doncaster takes on this role with decades of experience in health care leadership and administration, having managed operations at some of the nation’s most prestigious health care systems, including Mass General Brigham. Most recently, he served as Interim Chief Operating Officer at Tampa General, overseeing all clinical and operational strategies and managing partnerships with key constituents.
“Our No. 1 goal is to meet the needs of the community,” Doncaster said. “With improved delivery models and expanded access to specialists, we can elevate the level of care available in the community without losing the personal service only a local hospital can provide.”
Couris, Davis and Doncaster, along with Stacey Brandt, executive vice president and chief administrative officer at Tampa General, participated in a town hall last week with the team at Lakeside to outline their joint vision for Lakeside and answer questions.
Belle Glade residents have responded with overwhelming support for the strategic partnership. “It’ll be a game-changer for this community,” resident Connie Boldin Jr., told CBS 12 in West Palm Beach.
Under the agreement, the Health Care District of Palm Beach County maintains ownership of the hospital and its assets. The agreement does not impact the rights or obligations of Health Care District employees assigned to Lakeside Medical Center.
Tampa General’s work with Lakeside Medical Center marks an expansion of Tampa General’s existing network of providers and services in Palm Beach County and the Treasure Coast, which already includes primary care, cancer care, digestive health, kidney care, radiation, oncology and general surgery.
Tampa General is one of the largest and most innovative academic health systems in the nation. The system features more than 150 care locations across the Sunshine State. TGH is ranked No. 2 in Florida and a top 50 hospital nationally by U.S. News & World Report.
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