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New statewide insurance trust enters 2026 with sustained growth and millions more in taxpayer savings

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The Florida Educator Health Trust (FLEHT) enters 2026 less than a year old, but already with significant progress under its belt.

Established to help Florida School Districts save on employee health plans without having to pass along benefit reductions, the program opened last June with just three counties on board, representing 1,671 public school employees in DeSoto, Hardee and Hendry counties.

By the end of December, the nonprofit health insurance program had eight counties enrolled, with the addition of Brevard, Charlotte, Okeechobee, Highlands and Polk counties, bringing its total public school employee representation to nearly 22,000 people.

As of mid-January, more School Boards have voted to join the program at various points throughout 2026, which will bring the total counties enrolled to 15.

“In an era of rising health insurance costs for employees, we set out to provide much-needed services to School Districts without compromising benefits to educators, and it is working,” said Ted Roush, a former Superintendent of Schools and FLEHT Executive Director.

“In only 6 months, we have shown demonstrable savings to the districts, and consequently to taxpayers, realizing savings in the millions of dollars. Our growth — going from three to 15 counties in our first year of full operation — will allow us to continue achieving significant economies of scale, saving taxpayers even more money while maintaining a high level of health insurance for district employees.”

“By harnessing the power of the group district membership, FLEHT is able to perform for the whole what is not possible individually in the insurance marketplace,” Roush added.

The FLEHT realizes savings for School Districts by bringing Districts together to deliver efficient health programs for employees.

Formerly known as the FSHIP program, it was established in 2009 by the Florida School Board Insurance Trust. The program transitioned to FLEHT under the Florida Association of District School Superintendents last year. The change was meant to align the needs of Florida educators.

The FLEHT under its new structure is overseen by an executive committee composed of Superintendents, with all member Districts represented with voting trustees.

Hernando County is expected to be the next School Board to enter into a participation agreement with FLEHT. Program officials estimate they will have as many as 20 School Districts on board by Spring Break season. The group also estimates it has saved taxpayers more than $12 million.

The program is responding to rising health care premiums across the U.S. While cost of living is already creating a challenge, at an estimated 17% increase, health care premiums have increased by 45%, according to the National Council on Teacher Quality.

In order to participate in FLEHT, School Boards must first adopt a participation agreement. The District must already be or become self-insured. From there, the District establishes a transition plan into FLEHT and then formally enters the program. Once a District is a member, its Superintendent becomes a member/trustee of the program.

The program estimates savings of 7%-12% when fully transitioning from a fully-insured health insurance plan to a self-insured FLEHT participant. Within one to three years, the program claims members will enjoy savings of up to 13%.



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Joe Gruters bill restricting public pot smoking clears first Senate stop

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A proposal that would ban smoking and vaping marijuana in public places has cleared its first Senate committee stop.

The Senate Regulated Industries Committee voted to advance a bill (SB 986) sponsored by Sarasota Republican Sen. Joe Gruters to amend the Florida Clean Indoor Air Act to prohibit smoking or vaping marijuana products in public places. The measure was presented to the committee by Doral Republican Sen. Ana Maria Rodriguez, the bill’s co-sponsor, on Gruters’ behalf.

“There is currently no prohibition on smoking marijuana in public places if adult use is approved by the voters,” Rodriguez told the committee. “By banning public smoking of marijuana, we are protecting community health and quality of life, as well as protecting certain outdoor spaces from marijuana smoke such as beaches and parks.”

Rodriguez told the committee that every state allowing recreational marijuana either bans public smoking outright or imposes tight restrictions on where it can occur. SB 986 would prohibit smoking or vaping marijuana in public places, while also folding marijuana into Florida’s existing Clean Indoor Air Act framework.

The bill defines public places as streets, sidewalks, parks, beaches and common areas of apartment buildings, restaurants, retail shops, transportation facilities and government buildings. It does not change Florida’s ban on smoking tobacco in enclosed indoor workplaces.

The Florida Restaurant & Lodging Association spoke in support of the bill’s intent but raised concerns about how the definition of “public places” could affect private property.

“We support adding vaping and marijuana to the provisions of the Florida Indoor Clean Air Act,” association Vice President of Government Relations Samantha Padgett said.

However, she said restaurants and hotels worry the bill could interfere with designated smoking areas created in compliance with existing law. Padgett said many businesses made significant investments to comply with current statutes and urged lawmakers to preserve that flexibility as the bill moves forward.

“This gives all employers the freedom to ensure a smoke-free environment in their places of employment,” she said. “We have received feedback of concern from our members regarding the definition of smoking in designated spaces on private property such as patios and designated hotel rooms or floors.”

Meanwhile, medical marijuana advocates argued the bill could have unintended consequences for patients. Jody James, speaking on behalf of the Florida Cannabis Action Network, said the proposal is overly broad and could limit lawful access for medical marijuana patients, particularly those living in apartment complexes or staying in lodging where indoor smoking is prohibited but outdoor smoking is permitted.

James also raised concerns that the bill’s definition of public places could blur the line between public and private property, potentially affecting patients smoking just outside their homes.

“We understand the problems of having people smoking everywhere, but we also hope that you’ll consider patients and property rights in this discussion,” James said. 

Committee members questioned whether the bill could inadvertently sweep in activities such as non-tobacco hookah use or vaping on private property. Rodriguez said the bill does not target marijuana use so tightly that it should affect a person smoking outdoors near their homes, or other extreme interpretations of the law.

“There is a difference between someone’s front door and a public place where the general public can gather, whether it’s a restaurant, whether it’s in a park or a beach,” Rodriguez said. Your house is your dwelling, and the front door of your house is not the same as being in a public place.”

The committee voted to report SB 986 favorably. The bill will now head to its second of three committee stops with the Senate Appropriations Committee on Agriculture, Environment, and General Government.



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Lois Frankel backs Robin Peguero, says he’s ‘uniquely positioned’ to win race for CD 27

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U.S. Rep. Lois Frankel is joining a widening tent of supporters backing Democrat Robin Peguero’s campaign for Florida’s 27th Congressional District.

Frankel, a two-time Congresswoman representing parts of Palm Beach County, said Peguero has what it takes to “flip this seat and change the trajectory of South Florida.”

“As a prosecutor and educator, Robin has a proven record of fighting for affordability and public safety. And as a first-generation Latino leader, he is uniquely positioned to connect with voters,” she said in a statement.

“I am proud to endorse Robin and to get to work on his behalf.”

Frankel, who previously served as West Palm Beach Mayor and the Florida House Democratic Leader, is the first member of Florida’s Democratic congressional delegation to endorse Peguero in the CD 27 race.

Her nod adds to others from Miami-Dade School Board member and former state Rep. Joe Geller, Key Biscayne Council member Franklin Caplan, Coral Gables Commissioner Melissa Castro, Cutler Bay Council member B.J. Duncan, former Congresswoman and Cabinet Secretary Donna Shalala, former state Reps. Annie Betancourt and J.C. Planas, former Miami-Dade Commissioner Katy Sorenson and former South Miami Mayor Philip Stoddard.

The political arms of the Congressional Black Caucus and Congressional Hispanic Caucus have also endorsed Peguero.

He faces two other Democrats, accountant Alexander Fornino and entrepreneur Richard Lamondin, in an August 2026 Primary. A fourth Democratic registrant for the contest, former Key Biscayne Mayor Mike Davey, dropped out of the race and endorsed Peguero in August.

The winner of the Democratic Primary is likely to face CD 27’s incumbent, Republican U.S. Rep. María Elvira Salazar, who has one Primary challenger, Vincent Arias.

CD 27, one of three Florida districts that the Democratic Congressional Campaign Committee has highlighted as “in play,” covers Miami, Coral Gables, Cutler Bay, Key Biscayne, Pinecrest, North Bay Village, South Miami, West Miami and several unincorporated areas.



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Wyman Duggan-sponsored Jacksonville local bills clear first hurdle in House

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Space travel and school lawyers could see a boost.

A House committee advanced two priority pieces of legislation for Duval County with little trouble.

The Intergovernmental Affairs Subcommittee moved forward legislation (HB 4045) that would charge the Jacksonville Aviation Authority (JAA) with ensuring that Cecil Airport develops and expands as a spaceport, and another bill (HB 4049) that would give the Duval County School Board internal counsel.

House Speaker Pro Tempore Wyman Duggan is sponsoring both bills.

HB 4045’s plan to “accelerate job creation” is to set up an Economic Development Committee to work toward bringing direct route international flights to the Jacksonville International Airport and to use JAA to drive more aerospace business to Cecil Field, with the committee reporting annually to that end.

HB 4049 was watered down in the process, with Jacksonville officials ultimately agreeing that the School Board lawyer would still be subject to the opinion of the General Counsel as binding.

The measures got neither objections nor debate.

Each has two stops ahead before the floor.



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