New Florida Laws Taking Effect January 1, 2026

As the new year approaches, several significant laws are set to take effect in Florida on January 1, 2026, bringing changes that will impact various aspects of life for residents and businesses across the state.

 

Animal Cruelty Database – 'Dexter's Law' (HB 255)

In response to the tragic case of Dexter, a shelter dog found decapitated in Fort DeSoto Park, Florida has enacted 'Dexter's Law' to combat animal cruelty. This legislation mandates the Florida Department of Law Enforcement (FDLE) to establish a publicly accessible, searchable database listing individuals convicted of animal cruelty offenses. This initiative aims to prevent future abuse by providing transparency and accountability.

 

Pet Insurance Regulation (HB 655)

House Bill 655 introduces comprehensive regulations for pet insurance within the state. The law classifies pet insurance under 'property insurance' and sets forth guidelines to ensure clarity and fairness in coverage. It addresses disclosure requirements and prohibits misrepresentation of wellness programs as insurance, aiming to protect pet owners from misleading practices.

 

Breast Examination Coverage (SB 158)

Senate Bill 158 brings a significant change to health insurance policies for state employees by eliminating cost-sharing for diagnostic and supplemental breast examinations. This measure ensures that state workers have access to necessary breast health services without financial barriers, promoting early detection and treatment.

 

Insurance Claims Submission Period (SB 944)

Under Senate Bill 944, the timeframe for health insurers and Health Maintenance Organizations (HMOs) to submit claims to licensed psychologists is reduced from 30 months to 12 months. This change, effective for services provided from January 1, 2026, onwards, aims to streamline the claims process and improve efficiency within the healthcare system.

 

Patient Overpayment Refunds (SB 1808)

Senate Bill 1808 mandates that healthcare practitioners refund any overpayments made by patients within 30 days of identification. Non-compliance with this requirement can result in fines up to $500, emphasizing the importance of prompt and fair financial practices in healthcare.

 

These legislative changes reflect Florida's commitment to enhancing animal welfare, consumer protection, and healthcare services. Residents and businesses are encouraged to familiarize themselves with these new laws to ensure compliance and to take advantage of the protections and benefits they offer.