MOSAIC changed two separate things, and knowing which one applies to you matters for your insurance.
MOSAIC — the FAA's Modernization of Special Airworthiness Certification — is actually two separate regulatory changes that get talked about as one. Getting them confused is easy, and it matters, because they affect insurance very differently. This is the most consequential change to general aviation in two decades, and the insurance market is still working out how to treat it. We think that's an opportunity to get real, straight answers instead of guesses — so that's what we're building here.
Two changes, two effective dates
- October 22, 2025 — Sport Pilot certification, repairman privileges and maintenance rules took effect.
- July 24, 2026 — Light-sport category aircraft certification rules took effect. Both are now fully in place.
The two tracks
MOSAIC Pilot: what you're allowed to fly
This is about Sport Pilot privileges under 14 CFR §61.316 — no longer tied to the old light-sport aircraft definition. It affects new Sport Pilots and existing Private, Commercial or ATP pilots who want to fly without a medical certificate. A meaningful share of the existing legacy fleet, and some experimental aircraft, may now qualify.
MOSAIC Aircraft: what can be built
This is about a new airworthiness certification for aircraft — no weight limit, more seats, more performance, and new propulsion types including turbine and electric. These new aircraft get flown by both Private Pilots and Sport Pilots, under very different rules.
Why this matters for insurance
Both tracks create real, current questions the insurance market hasn't fully settled: how carriers view an aircraft now flown by a broader pool of pilots, how new aircraft with no loss history get underwritten, and how pilot certificate and medical basis factor into risk. We're not going to pretend we have every answer — nobody does yet. What we can do is help you understand exactly where you and your aircraft stand, and ask the right questions before a renewal or purchase decision catches you unprepared.
Which one applies to you?
I'm a pilot — or want to become one — curious what I'm now allowed to fly
Start with Sport Pilot privileges under MOSAIC: qualifying performance limits, which legacy aircraft may qualify, and what changes for pilots stepping down from a medical certificate.
I'm looking at a new MOSAIC-compliant aircraft
See what's changed for aircraft certification — performance limits, new propulsion types, and the important difference between what an aircraft can be built to do and what a Sport Pilot is actually allowed to fly.