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Bill

HB 547

Medical Debt

2025 Regular Session Introduced by Bill Partington and 1 co-sponsor

Florida law HB 547 restricts medical debt collection practices and credit reporting to protect consumers from aggressive collection tactics and bankruptcy-level financial hardship.

Chapter No. 2025-98
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Bill Summary · HB 547

Legislative bill overview

HB 547 is a Florida law (effective as of May 27, 2025) that addresses medical debt collection and reporting practices. The bill establishes restrictions on how medical debts can be collected and reported to credit agencies, likely including protections for consumers facing medical bankruptcy or debt collection actions.

Why is this important

Medical debt is the leading cause of personal bankruptcy in the United States, affecting millions of families. This law directly impacts Florida residents by potentially preventing aggressive collection tactics and protecting credit scores from medical debt impacts, which could improve access to housing, employment, and future credit.

Potential points of contention

  • Creditor impact: Medical providers and debt collectors may face reduced revenue streams or collection efficiency if restrictions limit their ability to pursue debts aggressively
  • Definitional scope: Ambiguity about what qualifies as "medical debt" and which providers are covered could create compliance challenges and legal disputes
  • Insurance implications: Questions about how the law interacts with insurance denials and patient financial responsibility for covered versus non-covered services

Compiled from official sources — confirm details with the bill’s official record.

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