Cost-sharing Requirements for Diabetes Management

Healthcare

Passed Legislature

This bill passed both chambers and reached final enrollment, even if later executive action is not shown here.

Sponsor: Smith
Last action: 2026-03-13
Official status: Senate - Died in Banking and Insurance
Effective date: 2026-07-01

Plain English Breakdown

The bill's effective date is July 1, 2026, not January 1, 2027.

Cost-sharing Limits for Diabetes Care

This bill sets limits on how much people with diabetes have to pay out of pocket for insulin and devices used to manage their condition.

What This Bill Does

Defines 'cost-sharing requirement' as the amount a person has to pay before insurance covers certain medical expenses, such as deductibles or copayments.
Sets a maximum cost-sharing limit of $35 per month for a 30-day supply of insulin.
Limits the monthly out-of-pocket costs for diabetes devices and diabetic ketoacidosis prevention tools to $100.
Applies these limits to all health insurance policies in Florida starting January 1, 2027.

Who It Names or Affects

People with diabetes who have health insurance in Florida.
Health insurance companies operating in Florida.

Terms To Know

Cost-sharing requirement: The amount a person has to pay before their insurance covers certain medical expenses, such as deductibles or copayments.
Diabetes device: A tool used to manage diabetes, like blood glucose test strips, glucometers, continuous glucometers, lancets, lancing devices, insulin syringes, and others.

Limits and Unknowns

The bill only applies to health insurance policies in Florida.
It does not cover other types of medical expenses or devices beyond those specifically listed.

Bill History

2026-03-13 Senate
• Died in Banking and Insurance
2026-01-13 Senate
• Introduced
2025-11-03 Senate
• Referred to Banking and Insurance; Appropriations Committee on Agriculture, Environment, and General Government; Fiscal Policy
2025-10-17 Senate
• Filed

Official Summary Text

Cost-sharing Requirements for Diabetes Management; Prohibiting health insurance policies from imposing a cost-sharing requirement exceeding a certain amount for a 30-day supply of insulin or any diabetes device or diabetic ketoacidosis device, etc.

Current Bill Text

Read the full stored bill text

Florida Senate
-
2026

SB 222

By
Senator Smith

17-00236A-26 2026222__
1 A bill to be entitled
2 An act relating to cost-sharing requirements for
3 diabetes management; creating s. 627.42398, F.S.;
4 defining terms; prohibiting health insurance policies
5 from imposing a cost-sharing requirement exceeding a
6 certain amount for a 30-day supply of insulin or any
7 diabetes device or diabetic ketoacidosis device;
8 providing applicability; providing an effective date.
9
10 Be It Enacted by the Legislature of the State of Florida:
11
12 Section 1. Section 627.42398, Florida Statutes, is created
13 to read:
14
627.42398
Cost-sharing requirement for diabetes

15
management
.—

16
(1)

As used in this section, the term
:

17
(a)

“
C
ost-sharing requirement” means an insured’s

18
deductible, coinsurance, copayment, or similar out-of-pocket

19
expense.

20
(b)

“Diabetes device” means a device, including, but not

21
limited to, a blood glucose test strip, a glucometer, a

22
continuous glucometer, a lancet, a lancing device, or an insulin

23
syringe, used to cure, diagnose, mitigate, prevent, or treat

24
diabetes or low blood sugar.

25
(c)

“Diabetic ketoacidosis device” means a device used to

26
screen for or prevent diabetic ketoacidosis.

27
(
2
)

A health
insurance
policy may not impose a cost-sharing

28
requirement that
:

29
(a) E
xceeds $35 for a 30-day supply of insulin for any

30
insured, regardless of the quantity or type of insulin

31
prescribed.

32
(b) Exceeds $100 for a 30-day supply of any diabetes device

33
or diabetic ketoacidosis device.

34
(
3)

This section applies to all health insurance policies

35
delivered, issued, renewed, or amended on or after January 1,

36
202
7
, for delivery to persons in this state, including policies

37
provided by group, blanket, or franchise health insurers;

38
prepaid limited health service organizations and discount plan

39
organizations; and health maintenance organizations.

40 Section 2. This act shall take effect July 1, 2026.