AOB Fraud and Abuse Worsening – ACT NOW

A report released today shows further increases in property insurance fraud and abuse, and warns of possible property insurance premium increases if steps aren’t taken quickly.

The Citizens Property Insurance Corporation report, which identifies an explosion of water damage claims and Assignment of Benefits (AOB) lawsuits, should serve as a wake-up call for consumers, job creators and elected leaders. The report clearly demonstrates that this suspicious activity is a pocketbook problem for Florida families.

Reforming Florida’s property insurance market, particularly as it relates to AOB, is a top priority of the Florida Chamber. We believe that property insurance reform will create a stable market that helps consumers find the best options at the best rates, and it will help make Florida more competitive.

The Florida Chamber, along with our Consumer Protection Coalition, is urging state lawmakers to head the warning of the Citizens report and pass meaningful reforms that end AOB fraud and abuse.

Sign the Petition

Visit www.FightFraud.Today and sign the petition urging lawmakers to take action.

Rep. Matt Caldwell Discusses Comprehensive Water Bill, AOB and Pension Reform

“It’s no secret water is a key component to our success here in Florida.”

Rep. Matt Caldwell, (R-Lehigh Acres)

Rep. Matt Caldwell today joined the Florida Chamber of Commerce to discuss several issues before the legislature during the 2016 Legislative Session which began today.

Among them, the Florida Chamber’s long-supported comprehensive water bill, which is expected to fully pass the legislature this week.


“Whether its ensuring long-term supply in Central Florida, restoring the springs in North Florida as well as the Everglades, this bill goes a long way toward accomplishing all of that,” said Rep. Caldwell.


Rep. Caldwell also discussed the need for assignment of benefits reform, commonly known as AOB.


“This is an issue- fraud has clearly grown,” said Rep. Caldwell.


Today, the Florida Chamber announced a broad-based group of business leaders, consumer advocates, real estate agents, construction contractors, insurance agents and insurance trade groups who form the Consumer Protection Coalition and are pushing for reforms to end AOB abuse on its new web platform – www.FightFraud.Today.

Rep. Caldwell also discussed the need for state pension reform and fixing out state’s current unfunded liability.


“This year, we are pushing  strongly for a change in the default, and that is, when a state employee is hired, they get to make a choice whether to be in the pension or in the investment plan. Today if they don’t make a choice, they are placed in the pension automatically. Since most state employees don’t work the minimum seven years to vest, they actually never receive retirement of any kind from the state. So just the basic question of fairness, we think we ought to default those folk to the investment plan for that reason… We believe the investment plan is the future.”



Click here to sign the AOB petition and help us stop insurance fraud!

Is Florida Prepared for the Next Big Storm?

Florida’s property insurance rates are some of the highest in the country. Why? This video explains why your property insurance bill is higher…and what you can do about it.

Florida Chamber Releases A Smarter Healthcare Coverage Plan


Seven Part Plan Aims to Eliminate $1.4 Billion in Hidden Healthcare Tax on Floridians

TALLAHASSEE, FL. (January 13, 2014) – In its ongoing efforts to secure Florida’s future by making Florida more competitive, the Florida Chamber of Commerce today released its Smarter Healthcare Coverage in Florida plan. This seven-point comprehensive healthcare plan calls for bending the cost curve for Florida’s families and job creators by eliminating the $1.4 billion in hidden healthcare taxes.

The Florida Chamber remains significantly concerned about the growth of federal entitlements and resulting erosion of our freedoms, and therefore opposes the traditional expansion of Medicaid unless an alternative plan – one that embraces private solutions with flexible steps to eliminate the $1.4 billion cost shift on Florida families and caps Florida’s Medicaid budget at 32 percent – is put in place.

Unlike the federal government, and what some groups believe, expanding healthcare coverage should not be “an all or nothing deal”. The Florida Chamber’s Smarter Healthcare Coverage in Florida plan:

  • Eliminates the expensive and burdensome $1.4 billion hidden tax on Florida’s families and businesses,
  • Improves access to healthcare through innovation and an expanded field of healthcare professionals, and
  • Produces better health and economic outcomes by reducing fraud, lawsuit abuse and inflated workers’ comp costs.

Currently, Floridians pay an additional $1.4 billion in hidden healthcare taxes to cover healthcare received by the uninsured. That’s about $2,000 on insured Floridians for every hospital stay to cover the cost of the uninsured. And, uninsured healthcare costs are expected to rise as the federal government ends funding for the Low Income Pool (LIP).

With approval by the U.S. Department of Health and Human Services (HHS), 28 states have initiated some version of flexible healthcare solutions to meet their states needs. Recently, the Florida Chamber urged HHS Secretary Sylvia Matthews Burwell to reopen conversations with Florida’s elected leaders, and work toward a Florida solution. Maximum flexibility to cover Florida’s uninsured would help prevent the $1.4 billion hidden tax forced onto families and job creators.

The Florida Chamber’s Smarter Healthcare Coverage in Florida plan will help ensure taxpayers benefit from accepting federal dollars instead of being punished by shifting even more costs of extended healthcare coverage to families and businesses. This plan is a cost efficient, sustainable healthcare model that provides coverage to the uninsured and eliminates the cost shift.


“As Florida prepares to welcome six million new residents by 2030, Florida has an important opportunity to get healthcare coverage right,” said Mark Wilson, President and CEO of the Florida Chamber. “As lawmakers consider ending the $1.4 billion cost shift on Floridians, the Florida Chamber is continuing to play an integral role in helping reform our state’s healthcare system.”

Florida Chamber’s Smarter Healthcare Coverage in Florida:

  1. Smarter Healthcare Coverage
    Eliminating the cost shift on Florida’s families and small businesses by addressing the cost equation. Limiting the overall financial impact on the Medicaid budget to no more than 32 percent, and providing allowing for a “flow through” of savings to Floridians in the form of lower insurance premiums.
  2. Healthcare Delivery System and Medical Professional Capacity
    Ensuring Florida’s healthcare delivery system has the capacity to respond at a high level of quality and meet the needs of Floridians. Allowing telemedicine to serve as an alternative healthcare delivery system, increasing the capacity and number of medical professionals by allowing nurse practitioners and physician assistants to practice to their fullest potential, and decreasing Florida’s growing need for physicians by expanding medical residency positions.
  3. Lawsuit Abuse Reform
    A Major Cost Driver: Attracting and retaining the best medical professional’s calls for improving on Florida’s bottom 10 legal environment and preventing meritless lawsuits and penalties that deter doctors from entering the medical field.
  4. Workers’ Compensation
    A Major Cost Driver: Ensuring Florida’s workers’ comp system is fair and not inflated by trial lawyer tactics and other unnecessary costs will help lower the cost of doing business in Florida.
  5. Healthcare Fraud
    A Major Cost Driver: Eliminating healthcare fraud and abuse will lower total healthcare costs.
  6. Step Therapy and Prior Authorization
    Opposing current legislation that would undermine the use of prior authorization and step therapy protocols in Florida.
  7. Medicaid Managed Care
    Opposing efforts to undermine the tenets of the managed care model – including the so-called ‘any willing provider’ provision.

Download a copy of the Florida Chamber’s Smarter Healthcare Plan for Florida by clicking here or by visiting



The Florida Chamber of Commerce is the voice of business and the state’s largest federation of employers, chambers of commerce and associations, aggressively representing small and large businesses from every industry and every region. The Florida Chamber works within all branches of government to affect those changes set forth in the annual Florida Business Agenda, and which are seen as critical to secure Florida’s future. The Florida Chamber works closely with its Political Operations and the Florida Chamber Foundation. Visit for more information.