FL S1952

Creates personal property exemptions from legal process for medical debts owed to licensed facilities, including up to $10,000 in motor vehicle value or personal property for non-homestead claimants.

Requires licensed facilities to post consumer-friendly lists of standard charges for at least 300 shoppable health care services on their websites and establish internal grievance processes allowing patients to dispute charges with 7 business day response times.

Mandates facilities provide good faith cost estimates to patients and their health insurers at least 3 business days before scheduled services, with charges capped at 110 percent of the estimate; facilities failing to provide timely estimates cannot bill for the service.

Prohibits licensed facilities from engaging in extraordinary collection actions (such as wage garnishment, debt sales, or credit reporting) for bills covered under the facility's financial assistance policy until reasonable eligibility determination, itemized billing, and insurer adjudication are completed.

Requires health insurers to provide advanced explanations of benefits to patients within 1 business day of receiving facility cost estimates and designates shared savings incentives as medical expenses rather than administrative expenses for rate development purposes.