OKEECHOBEE- Three new laws will go into effect starting in 2026. The laws will change how health coverage, pet insurance, and medical billing work in Florida.

SB 158: No-Cost Breast Exams for State Workers

This law eliminates out-of-pocket costs for advanced breast cancer screenings for employees covered under the Florida State Group Insurance Program. It prohibits the state health plan from charging copayments, deductibles, or coinsurance for diagnostic and supplemental breast examinations (such as MRIs and ultrasounds).

While standard mammograms were already covered, more detailed imaging required after an abnormality is found—or for high-risk patients—often came with high costs. Starting in 2026, these additional medically necessary tests will be free for state enrollees.

 HB 655: Consumer Protections for Pet Insurance

This law creates a new regulatory framework for the pet insurance industry, treating it more like traditional "property insurance."

It establishes legal definitions for terms like "pre-existing conditions" and "waiting periods" and requires companies to be transparent about how they calculate claim payments. Insurers must provide a "summary of policy" and a 30-day "free-look" period where you can cancel for a full refund if no claim was made.

SB 1808: Faster Refunds for Patient Overpayments

This law targets medical billing departments that "sit" on patient money after a service has been overpaid. It requires healthcare providers, clinics, and facilities to refund any patient overpayment within 30 days of determining that an overpayment exists.

If a doctor or facility identifies that you paid more than you owed (due to insurance covering more than expected or a billing error), they have a strict one-month clock to get that money back to you. Providers who miss this window can face professional disciplinary action. Facilities (like hospitals) can be fined up to $500 per violation.