CS/HB 1413 - Health Care Expenses

• Establishes a 3-year statute of limitations for collecting medical debt from chapter 395 licensed facilities, with the period running from when the debt is referred to a third party for collection.

• Creates personal property exemptions from legal process for medical debts, protecting up to $10,000 in a single motor vehicle and up to $10,000 in other personal property for those without homestead exemptions.

• Requires licensed facilities to post consumer-friendly lists of standard charges for at least 300 shoppable health care services and provide good faith cost estimates to patients before nonemergency services, with estimates delivered to health insurers at least 3 business days before scheduled services.

• Prohibits licensed facilities from engaging in extraordinary collection actions (liens, foreclosure, wage garnishment, credit reporting, debt sales) against individuals for care covered under the facility's financial assistance policy without meeting specific conditions including eligibility determination and a 30-day notice period.

• Requires health insurers to provide insured individuals with advanced explanations of benefits within 1-3 business days of receiving a patient estimate, including detailed coverage and cost-sharing information per the No Surprises Act.