FL S0296

Requires licensed health care facilities to establish, update, and publicly list standard charges for all services consistent with federal requirements (45 C.F.R. part 180), with fines of $500 per day per violation imposed by the Agency for Health Care Administration.

Prohibits consumer reporting agencies from publishing medical debt credit impairments if the patient had health insurance covering the services and still owes only copayments, deductibles, or coinsurance amounts.

Requires consumer reporting agencies to remove medical debt credit impairments within 30 days of notification that the debt is paid, settled, or subject to a payment plan, without charging fees to the patient.

Mandates that consumer reporting agencies obtain express written consent from the health care provider before publishing any credit impairment related to medical debt.

Creates a private right of action allowing patients to sue for violations, recover damages of at least $1,500, receive attorney fees and court costs, and pursue arbitration; lawsuits must be filed within 2 years of the violation.