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Five New Florida Laws Now in Effect: Here’s What Every Resident Should Know

Florida skyline with palm trees

Florida rings in the new year with impactful statewide changes shaping healthcare, pets, insurance policies, and government employee benefits. First reported by NBC Miami and Telemundo Digital, these five laws—official as of January 1—are already influencing everyday life across the Sunshine State.

For working professionals—from medical providers and insurance agents to anyone navigating Florida’s evolving licensing requirements—understanding these legislative updates is essential. At Cameron Academy, where thousands train in real estate, insurance, medical fields, and more, these swift shifts highlight how important it is to stay educated and informed.

1. SB 1808 – Faster Refunds for Medical Overpayments

Healthcare professionals now have a strict 30‑day deadline to return any excess payments made by patients. Violations may result in fines up to $500 per incident.

This upgrade boosts transparency and ensures Floridians receive their rightful refunds quickly—benefiting both patients and medical administrators.

2. HB 255 – “Dexter’s Law,” Florida’s Animal Abuse Registry

A brand‑new statewide public database now lists residents charged with animal cruelty. The law was inspired by the tragic case of Dexter, a rescued dog who was inhumanely decapitated after adoption.

This is one of Florida’s strongest protections yet for vulnerable animals, helping shelters and adopters make safe, informed decisions.

3. SB 158 – Eliminating Breast Exam Copays for State Employees

State employees will no longer pay copays for diagnostic or supplemental breast examinations, expanding access to early detection and critical preventive care.

Thousands of Floridians in government roles stand to benefit from this life‑supporting change.

4. HB 655 – New Transparency Rules for Pet Insurance

Pet insurance now comes with increased consumer transparency. Companies must clearly disclose exclusions, pre‑existing condition rules, claim formulas, and exam requirements.

Customers receive a 30‑day review period for refunds, and insurers can no longer require wellness programs to secure coverage.

Importantly, insurance agents must complete specialized pet‑insurance training—an area where Cameron Academy continues to help professionals stay licensed, compliant, and competitive.

5. SB 944 – Faster Overpayment Disputes for Psychologists

Insurance companies now have only 12 months—down from 30 months—to file overpayment claims against psychologists.

This keeps financial disputes timely and supports mental health professionals by reducing long‑term administrative uncertainties.

Want more updates impacting Florida’s licensed professionals?
Explore flexible online courses in real estate, insurance, healthcare, and more at CameronAcademy.com—built for modern professionals who want to stay ahead.

Source: NBC Miami — New Florida Laws Take Effect 2026

More Articles

Getting licensed or staying ahead in your career can be a journey—but it doesn’t have to be overwhelming. Grab your favorite coffee or tea, take a moment to relax, and browse through our articles. Whether you’re just starting out or renewing your expertise, we’ve got tips, insights, and advice to keep you moving forward. Here’s to your success—one sip and one step at a time!

Trump’s 2026 Mortgage Rate Prediction: What Real Estate Pros Should Really Expect

President Trump recently suggested mortgage rates will drop “a lot lower” by early 2026, sparking industry-wide curiosity — but current economic data tells a more measured story. With today’s 30‑year fixed hovering near 6.25%, experts say meaningful declines remain possible, though not guaranteed, and would depend on softer inflation, weaker economic signals, or a shift in bond market behavior. While political comments created headlines, analysts emphasize that only market conditions — not rhetoric — can drive rates down. Independent forecasts already point toward mid‑5% rates by 2026, offering a potentially healthier landscape for buyers, agents, and mortgage professionals preparing for the next cycle.

By |December 22, 2025|Categories: Article, Economic Trends, Mortgage Industry Updates, Real Estate Market News|Tags: , , |0 Comments
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Why Mortgage Executives Can’t Afford to Ignore AI

Artificial intelligence has moved from a futuristic concept to a central force driving today’s mortgage industry. From smarter underwriting to enhanced borrower experiences and tighter compliance, AI is transforming every corner of mortgage lending. As expectations rise and competition accelerates, AI literacy is no longer optional — it’s a core skill every mortgage, real estate and finance professional must master to stay relevant and lead confidently.

By |December 22, 2025|Categories: Article, Artificial Intelligence in Business, Mortgage Industry, Professional Development|Tags: , , |0 Comments
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Global Commercial Real Estate Enters a Long-Term Era of Transformation

Global commercial real estate is shifting away from short-term recovery cycles and entering a long-term transformation driven by technology, sustainability, demographic change, and evolving work‑life patterns. Capital is becoming more selective, favoring resilient assets and alternative lenders, while high‑demand sectors such as industrial, logistics, data infrastructure, and specialized residential continue to outperform. Geography, sustainability standards, and flexibility are emerging as defining forces for the next cycle, signaling major opportunities—and challenges—for real estate professionals preparing for the future.

By |December 21, 2025|Categories: Article, Commercial Real Estate Investment, Global Real Estate Trends, Market Economics and Capital Strategy|Tags: , , |0 Comments
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How AI Is Quietly Rewriting the Future of Real Estate

Artificial intelligence has moved from hype to essential infrastructure in the real estate world. From smarter valuations and predictive analytics to automated lead generation and personalized property-matching tools, AI is transforming how agents, brokers, lenders, and managers operate. As top platforms like Zillow, Redfin, Opendoor, and dozens more integrate deep‑learning technology, professionals across real estate, mortgage, insurance, and finance are being pushed to adapt. The future belongs to those who embrace these tools — and use them to elevate speed, accuracy, and client experience.

By |December 21, 2025|Categories: Article, Market Innovation, Professional Development, Real Estate Technology|Tags: , , |0 Comments
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Florida’s Property Insurance Market Makes a Strong Comeback in 2025

Florida’s once‑troubled property insurance market has staged an impressive recovery after its near‑collapse in 2022. A new ALIRT Insurance Research report shows that legislative reforms, tighter underwriting and the arrival of new insurers have restored stability, reduced Citizens’ policy load and revived industry confidence. While risks remain, the rebound is reshaping housing affordability and creating fresh opportunities for real estate, mortgage and insurance professionals.

By |December 21, 2025|Categories: Article, Florida Insurance Market, Professional Development, Real Estate Industry|Tags: , , |0 Comments
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Florida Moves to Ban AI‑Only Insurance Claim Denials: What Professionals Need to Know

A new bill gaining momentum in Tallahassee would stop insurers from denying claims based solely on artificial intelligence. Championed by Rep. Hillary Cassell, the proposal aims to restore trust in Florida’s troubled insurance market by ensuring human oversight in decisions that affect homeowners, newcomers, and industry professionals. As debates intensify, experts warn AI is reshaping insurance faster than ever—making it critical for real estate, mortgage, and insurance professionals to understand the regulatory shifts ahead.

By |December 21, 2025|Categories: Article, Artificial Intelligence Regulation, Florida Real Estate Market, Insurance Industry|Tags: , , |0 Comments
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By checking the optional box below, you expressly consent to receive marketing text messages from Cameron Academy at the number you provided, about real estate education, course enrollment, licensing exam preparation, and continuing education offers. Consent is not a condition of purchase, registration, or enrollment. Message frequency varies. Message and data rates may apply. Reply Stop to cancel at any time or Help for help. See our Privacy Policy for how your information is handled. Additionally, by checking the box below, you expressly consent to receiving marketing calls at the number you provided, including by auto-dialer, pre-recorded or artificial voice, from Cameron Academy about real estate education related matters, but not as a condition of purchase. This consent applies even if you are on a corporate, state or national Do Not Call List.

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