New Florida Laws Taking Effect January 1: What Professionals Need to Know in 2026

Breast Exam Coverage for State Employees

Senate Bill 158 eliminates all cost‑sharing—including deductibles and copays—for diagnostic and supplemental breast examinations under the state group insurance program. Advanced imaging like MRIs and ultrasounds are now fully covered, making preventive care more accessible and reducing long‑term health risks for thousands of Florida families.

New Consumer Protections for Pet Insurance

House Bill 655 officially classifies pet insurance as property insurance, requiring standardized disclosures, renewal rules, and stronger consumer safeguards.

The law also targets deceptive marketing practices—especially those that confuse wellness plans with true coverage. This is a significant update for insurance professionals statewide navigating compliance in 2026.

Faster Refunds for Health Care Overpayments

Senate Bill 1808 requires health care providers to issue refunds for overpayments within 30 days of discovery. Licensed facilities that miss this deadline may face fines of up to $500 per violation, boosting consumer confidence and industry transparency.

Dexter’s Law (HB 255)

Strengthens penalties for aggravated animal cruelty and introduces a statewide offender database to help shelters and adoption centers vet potential pet owners.

Vessel Accountability (HB 164)

Expands oversight of derelict vessels and launches a free long‑term anchoring permit program—an important development for Florida’s boating community and marine service professionals.

Fertility Preservation Coverage (HB 677)

New state health insurance plans must cover fertility preservation for cancer patients. This removes a major financial barrier during already‑challenging medical treatment.

Condo Relief and Transparency (HB 913)

Condominium associations now face stricter deadlines for posting meeting minutes and video recordings online. Real estate professionals—especially those working with condo buyers, sellers, and boards—should remain alert to these new transparency requirements.

Child Welfare Enhancements (SB 7012)

Establishes a treatment foster care pilot program and strengthens support services for the child welfare workforce. These changes aim to boost long‑term stability and improve outcomes for Florida’s most vulnerable youth.