by Florida — A new year often brings new rules, and Jan. 1 marked the start of five new Florida laws that affect residents across the state. The measures cover a wide range of issues, including medical billing, pet protection, insurance transparency, and employee healthcare benefits.
While some of the laws focus on consumer protections, others aim to close regulatory gaps and improve accountability. Here’s a closer look at what each new law does and how it could impact Floridians.
Faster medical refunds now required
One of the new laws focuses on medical billing practices and patient refunds.
Under SB 1808, healthcare providers are now required to refund any excess medical payments within 30 days. This applies when a patient overpays for services or when insurance adjustments result in money being owed back to the patient.
If providers fail to comply, they can face fines of up to $500 per violation.
Lawmakers say the goal of the law is to protect patients’ money and ensure transparency in healthcare billing, particularly as complaints about delayed refunds have increased in recent years.
Animal cruelty registry created under “Dexter’s Law”
Another significant change affects pet owners and animal welfare protections.
Under HB 255, commonly known as “Dexter’s Law,” Florida has established a public database listing individuals charged with animal cruelty. The registry allows shelters, rescues, and the public to check whether someone has a documented history of animal abuse.
The law was inspired by the case of Dexter, a rescue dog that was brutally killed after being adopted. Supporters say the registry will help prevent animals from being placed into unsafe environments and discourage repeat offenses.
Animal advocates say the new law adds a layer of accountability that previously did not exist in the adoption process.
No copayments for certain breast exams
Florida state government employees will see a change in healthcare coverage under SB 158.
The new law eliminates copayments for diagnostic and supplemental breast examinations for state employees. This includes follow-up imaging that may be required after an initial screening.
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Supporters of the law say removing cost barriers helps ensure earlier detection and timely follow-up, which can be critical in diagnosing breast cancer.
The change applies specifically to state government employee health plans and is intended to reduce delays caused by out-of-pocket costs.
New transparency rules for pet insurance companies
Pet owners may notice changes when shopping for or renewing coverage due to HB 655, which tightens regulations on pet insurance policies.
The law requires insurance companies to provide clear, upfront disclosures about:
- How claims are calculated
- What medical exams are required
- Which conditions are excluded, including pre-existing conditions
- Waiting periods before coverage begins
Insurers must also offer a 30-day review period, during which customers can cancel their policy and receive a refund.
Additionally, the law prohibits insurance companies from requiring wellness plans as a condition for obtaining coverage and mandates specialized training for insurance agents selling pet insurance.
Lawmakers say the changes aim to prevent confusion and protect consumers from misleading policy terms.
Time limit reduced for psychologist overpayment claims
The final law focuses on insurance disputes involving mental health professionals.
Under SB 944, insurance companies now have 12 months, instead of 30 months, to file overpayment claims against psychologists. The change is designed to streamline billing disputes and provide greater financial certainty for providers.
Mental health professionals have argued that extended overpayment windows created administrative burdens and uncertainty. Supporters of the law say shortening the timeframe improves fairness while still allowing insurers to address legitimate billing errors.
Why these laws matter for Floridians
Together, the five laws reflect a broader push by lawmakers to:
- Improve consumer protections
- Increase transparency
- Strengthen animal welfare safeguards
- Reduce administrative delays in healthcare and insurance
While some of the changes apply to specific groups — such as state employees or mental health providers — others could impact everyday residents, particularly pet owners and patients navigating medical billing.
As these laws take effect, residents may want to review insurance policies, stay informed about their healthcare rights, and understand how new regulations could affect future purchases or services.
Which of these new Florida laws impacts you the most? Do you think the changes go far enough — or not far enough? Share your thoughts in the comments and join the discussion.
