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FLORIDA - Florida will implement a wide range of new state laws beginning January 1st, changing how health care coverage, insurance practices and animal cruelty enforcement operate statewide.
Among the most notable changes is a new requirement affecting state employee health insurance plans.
Under the updated law, medically necessary diagnostic and supplemental breast examinations must be fully covered with no copays or deductibles.
The law applies to follow up imaging and additional screenings recommended due to risk factors or prior findings, with the goal of reducing financial obstacles tied to early breast cancer detection.
Another major update focuses on patient refunds. Health care providers and medical facilities will be required to return any overpayments made by patients within 30 days of discovering the error.
If providers fail to issue refunds within the required timeframe, they may face penalties or disciplinary action.
The law also limits how long insurers have to seek repayment for overpaid claims, creating clearer timelines for both patients and providers.
Animal welfare enforcement is also expanding.
Florida will establish a statewide animal abuse registry maintained by the Florida Department of Law Enforcement.
The database will list individuals convicted of certain animal cruelty offenses, allowing shelters, rescues and members of the public to check records before adopting or selling animals.
Additional laws taking effect in 2026 include new regulations for pet insurance policies, which will require clearer disclosures about coverage and claims decisions.
Condominium associations will also face updated requirements to improve access to official records, including meeting materials.
These laws were passed during the 2025 legislative session and are scheduled to take effect at the start of 2026, impacting health care access, consumer protections and public safety across Florida.
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