Insurers would face limits on treating living organ donors differently

Insurers would face limits on coverage decisions, prices, and policy terms based solely on living organ donor status. Covered donors have donated all or part of an organ and are still alive. Covered policies include life insurance, disability insurance that pays when illness or injury prevents work, and policies whose only insurance protection covers qualified long-term care services. The restriction applies when donor status is the sole reason and there is no actual, specific, and significant risk affecting expected insurance claims. State insurance regulators could enforce the restriction using powers their state laws authorize.

The Health and Human Services secretary would review and update public information about living organ donation. The information would explain donation's benefits and risks and how donating affects donors' access to insurance. The updates would explain the proposed insurance protections. The secretary would update public service announcements, government websites, and other media as appropriate. The review and updates would be due within six months after enactment.