Modifies provisions relating to the collateral source rule

HB 2405 changes how medical costs are handled in personal injury lawsuits. It requires courts to consider the actual amount paid by or for the plaintiff (after discounts or write-offs), not the original billed amount, when calculating damages for medical care. This affects plaintiffs, defendants, insurers, and healthcare providers involved in injury cases, preventing them from using inflated billed costs to seek higher compensation. The bill also clarifies that if a defendant pays special damages before trial, the plaintiff cannot later claim those same costs in court.