FLORIDA (Boca Post) (Copyright © 2025) — A small but notable group of Florida laws approved during the 2025 legislative session will officially take effect at the start of the new year.

According to the Legislature’s final Chapter Number and Effective Date Report, three general bills are scheduled to become law on January 1, 2026. Each addresses a different area of consumer protection, from medical billing to insurance coverage and pet-related policies.

One of the measures taking effect concerns health insurance coverage for diagnostic and supplemental breast examinations. The law requires certain health insurance policies to provide coverage for additional breast imaging beyond standard screening mammograms, under conditions laid out in statute. Lawmakers approved the change during the 2025 session, with a delayed effective date to allow insurers time to adjust coverage and compliance systems.

Another health-related bill set to take effect deals with refunds of overpayments made by patients. The law establishes requirements governing how and when patients must be refunded when they overpay for medical services. The measure is aimed at standardizing practices that vary widely among providers and billing entities, particularly in cases involving insurance adjustments, duplicate payments, or billing corrections that occur after services are rendered.

A third law taking effect January 1 focuses on pet insurance and wellness programs. The legislation sets consumer-facing requirements for how pet insurance policies are marketed, sold, and administered in Florida. It includes provisions intended to clarify coverage terms and distinguish between traditional insurance policies and optional wellness or preventative-care programs offered to pet owners.

All three laws were passed during the 2025 Regular Session but were assigned future effective dates, a common legislative practice when agencies, insurers, or regulated entities need additional time to implement changes.

The Legislature’s effective-date report shows that while many bills passed in 2025 took effect immediately upon becoming law or on July 1, others were staggered into late 2025 and early 2026. January 1st is a frequent target date for insurance- and health-related statutes, aligning with policy renewal cycles and calendar-year billing systems.

No additional January 2026 effective-date general bills are listed in the report beyond these measures. Other laws approved in 2025 are scheduled to take effect later in 2026 or are contingent on local referendums, voter approval, or future administrative actions.

Residents, policyholders, and providers impacted by the January 1 changes are encouraged to review the full statutory language or consult with insurers and service providers ahead of the new year to understand how the laws will be applied in practice.

Source: Florida Legislature, 2025 Chapter Number and Effective Date Report (Final Bound Journal)