I was in a similar boat and have first hand experiencing dealing with this problem, but there are (or at least was) another option.
I live in Florida and purchased a 2016 TH back in January. When I bought it, the finance guy mentioned the Maximum Care plan, but didn't say anything about the lifetime option and I had no idea it existed. He mentioned one of the limited versions, but I had no interest in buying it then and he wasn't pushy (thankfully). A couple days later, a Jeep friend of mine told me about the lifetime option and I was very interested in it. I did a lot of research and after weighing the pros/cons decided to go for it.
I looked at a few sites online, but it was difficult to get FL pricing. One didn't have it listed and another did (at a full retail price). I called up my local dealer who said that they could not, by law, discount it. I did some research on this fact and it does appear to be accurate. Due to these plans being under the control of state regulations, they all have to be sold for the same price. There is a loophole though. If you buy it with the car, the dealer can discount the car price to compensate. For example, taking $1500 or so off the price of the car, thus making the lifetime plan cheaper in the end. But that doesn't help me or anyone else who already bought their car.
I too spoke to Bob Cline a few months back when I planned on buying the plan. He gave me a similar story, but said it was Mopar/FCA who told him he couldn't sell the plans to Florida residents anymore. It seems odd that this story is changing a bit, but I could see either one being accurate. He did however say he could sell it to me using an out of state address. I was tempted by this option, and would have considered it as a last resort, but was concerned due to possible rejection of claims down the road.
Anyway, I ended up calling Clay over at Zeller Motors. He had no problem selling me the plan in Florida. I signed the paperwork, gave him my CC info and within a few business hours had it on my Mopar account. He was a pleasure to work with and I highly recommend him. I'm not sure if his ability to sell in Florida has changed in the past 2-3 months, but I would STRONGLY recommend you reaching out to him ASAP in case there is a bigger crackdown.
The plan purchase agreement had a stipulation in it that clearly said it wasn't governed by FL regulations. I'm not sure if this might make it difficult/impossible to utilize the FL transfer benefit down the road, but I'm not too worried about that.
Unfortunately, it is the state that is causing the problem. Once again, in the Government's interest to 'help' people and regulate commerce, there were some unintended side effects. And I feel a bit bad for the FL dealers who are stuck in the middle and can understand if they are yelling at Mopar to stop the out of state sales. But in the end, if they are willing to fudge the car numbers to make it break even, that would be the ideal option in my book. But outside of that, Clay seems to be the only remaining dealer I'm aware of to offer plans to us.
2016 Jeep Cherokee Trailhawk V6
Tow Package, SafetyTec, C&C, 8.4NAV, Leather & Vent
Build Date: 08.22.15
Buy Date: 12.28.15