FL H1185

Health insurers, HMOs, health plans, and travel insurance providers become subject to Florida court jurisdiction when covering employees living in the state or insured patients receiving emergency services from Florida-licensed providers

Health care providers are prohibited from collecting or attempting to collect from patients any amounts owed by their insurers or HMOs for emergency services rendered

Nonparticipating health care providers may sue insurers and HMOs directly through quantum meruit claims to recover the reasonable value of emergency services provided to patients

"Emergency services" are defined as services necessary to prevent imminent risk to life or limb under the Prudent Layperson Standard; covered providers include physicians, hospitals, urgent care centers, and ground/water/air ambulances

Effective date: July 1, 2026