1. When a Florida employee's group health coverage ends, the employee generally has the right to:

Convert to an individual policy without evidence of insurability within the allowed time

Florida group health policies provide a conversion privilege allowing a terminating insured to obtain individual coverage without proving insurability.

2. Florida's mini-COBRA continuation applies to employers with fewer than 20 employees and allows continuation of group health coverage for up to:

18 months

The Florida Health Insurance Coverage Continuation Act lets eligible employees of small employers (fewer than 20) continue group coverage for up to 18 months.

3. Under Florida's small-group rules, a carrier offering coverage to small employers generally must:

Accept all eligible small employers that apply (guaranteed issue)

Florida requires carriers in the small-group market to guarantee-issue coverage to eligible small employers that apply.

4. In group health insurance, the actual insurance contract is issued to the:

Group sponsor (such as the employer) as a master contract

The insurer issues a master contract to the group sponsor; individual members receive certificates of coverage.