The "Junk Lawsuit Prevention Act of 2025" aims to amend existing laws regarding the sale and marketing of discount cards or purchasing mechanisms that are not classified as insurance. The bill prohibits practices that mislead consumers about the nature of these cards, particularly emphasizing that they are not insurance and outlining the consumer's right to cancel their registration within thirty days. Key provisions include requirements for clear disclosures in both printed and electronic advertisements, as well as penalties for violations. The bill also allows any injured party, not just the Attorney General, to take legal action against violators, and it establishes a framework for damages and remedies.

Additionally, the bill introduces a requirement for consumers to provide businesses with a thirty-day written notice of any alleged violations before initiating legal action. If the business addresses the violation within that period, the consumer cannot pursue further legal action. The act is designed to be retroactive, applying to violations that occurred before its effective date. Overall, the legislation seeks to protect consumers from deceptive practices related to discount healthcare cards while providing a structured process for addressing grievances.