Five New Florida Laws Now in Effect: What Residents Need to Know

Five new Florida laws took effect on January 1, impacting areas ranging from health care and pet ownership to insurance transparency. Here’s a clear breakdown of the changes and what they mean for residents.

Faster Medical Refunds (SB 1808)
Medical providers must now refund patients for overpayments within 30 days. Providers who fail to comply face fines of up to $500 per incident. The law aims to improve transparency and protect patients from unnecessary delays in getting their money back.

“Dexter’s Law” and Animal Abuse Registry (HB 255)
Florida has created a public database listing individuals charged with animal cruelty. The law was inspired by the killing of Dexter, a rescue dog who was decapitated after being adopted. The goal is to prevent people with a history of animal abuse from adopting or purchasing pets.

No Copays for Breast Exams (SB 158)
State government employees will no longer be required to pay copayments for diagnostic or supplemental breast exams. Lawmakers say the measure encourages early detection and improves access to critical follow-up care.

New Rules for Pet Insurance (HB 655)
Pet insurance providers must now clearly disclose policy details, including claim formulas, exclusions for pre-existing conditions, and required medical exams. Consumers also receive a 30-day review period with the option for refunds. Insurers can no longer require wellness programs as a condition for coverage, and agents must receive specialized training.

Faster Overpayment Claims for Psychologists (SB 944)
Insurance companies now have 12 months—down from 30—to seek overpayment claims from psychologists, streamlining payment disputes and reducing long-term uncertainty for mental health providers.