Multiple DPC practices are located in Florida.  In 2018 Florida became the 24th state to pass DPC "not insurance" legislation when Governor Scott signed SB 80 and HB 37 on March 23, 2018.  Make sure to review Title 37 Insurance Chapter 624 when drafting your DPC contracts.  If you would like to dispense medications you should register as a "dispensing practitioner" with the Florida Board of Medicine.  If you are looking for a Non-compete resource this Nova Law Review article from 2010 by John Sanchez entitled A Survey of Physician Non-Compete Agreements in Employment Under Florida Law is a great start along with FLA. STAT. § 542.335(1)(d)(1).

624.02 “Insurance” defined.

“Insurance” is a contract whereby one undertakes to indemnify another or pay or allow a specified amount or a determinable benefit upon determinable contingencies.

Notably - some prepaid service plans have been explicitly excluded from the definition of insurance.

624.127 Certain political subdivisions offering prepaid ambulance service plans; exemption from code.

A political subdivision of this state which, on October 1, 1991, was operating an emergency medical services system established by special act and offers a prepaid ambulance service plan as part of its emergency medical services system shall, with respect to the prepaid ambulance services plan, be exempt from the provisions of the Florida Insurance Code.

Chapter 641 Part 1 Health Maintenance Organizations
641.19 Definitions.

(12) “Health maintenance organization” means any organization authorized under this part which:
(a) Provides, through arrangements with other persons, emergency care, inpatient hospital services, physician care including care provided by physicians licensed under chapters 458, 459, 460, and 461, ambulatory diagnostic treatment, and preventive health care services.
(b) Provides, either directly or through arrangements with other persons, health care services to persons enrolled with such organization, on a prepaid per capita or prepaid aggregate fixed-sum basis.
(c) Provides, either directly or through arrangements with other persons, comprehensive health care services which subscribers are entitled to receive pursuant to a contract.
(d) Provides physician services, by physicians licensed under chapters 458, 459, 460, and 461, directly through physicians who are either employees or partners of such organization or under arrangements with a physician or any group of physicians..."


It took many years of repeated efforts to get DPC "not insurance" legislation passed in Florida.  This is a brief history: PCB HIS 15-02 passed out of its House subcommittee (check out the recorded discussions of the legislation), but ultimately failed to receive passage out of the full house due to unfortunate timing.  The same DPC bill was one of the few to be revived in the June 2015 special session, and is was passed out of the House as HB 25A but was never voted on in the Senate.  Renewed efforts in 2017 with the introduction of SB 240 and HB 161 ultimately failed as well when the popular bipartisan DPC language was mysteriously bundled with other less popular bills.