FL S1086

Expands Florida court jurisdiction to include health insurers, HMOs, health plans, and travel insurance providers that cover employees living in Florida or patients receiving emergency services from Florida-licensed providers

Prohibits health care providers from collecting or attempting to collect from patients any amounts owed by the patient's insurer or HMO for emergency services rendered

Authorizes out-of-network (nonparticipating) health care providers to sue insurers and HMOs directly through quantum meruit claims to recover the reasonable value of emergency services provided

Defines "emergency services" as services necessary to prevent imminent risk to life or limb under the Prudent Layperson Standard, and "health care provider" to include physicians, hospitals, health care facilities, urgent care centers, and ground, water, or air ambulances

Explicitly excludes regulation of air ambulance pricing, routes, or services from the scope of this legislation; effective date of July 1, 2026