South DakotaInsurers cannot deny coverage solely because someone donated an organ
Insurers may not require policyholders to avoid donating an organ to keep life, disability, or long-term care coverage.
What it does
Insurers may not deny or limit life, disability, or long-term care coverage solely because someone donated an organ, or require a policyholder not to donate. Other policy differences based on donor status are barred when there is no added insurance risk.
Argument forLiving donors may be able to get or keep coverage without being denied or charged more solely because they donated.
Argument againstInsurers could have less room to set prices or policy terms based on donor status alone when there is no added insurance risk.
More detail
South Dakota law bars insurers from denying or limiting coverage, requiring a policyholder not to donate, or making other policy decisions based solely on donor status. This covers life, disability, and long-term care insurance for a living person who has donated all or part of an organ. The ban on other differences in coverage, price, or policy terms based on donor status applies when there is no added insurance risk.
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Where it stands
- Introduced
- Passed House
- Passed Senate
- To Governor
- Became Law
Looking ahead
No hearings or votes scheduled.
History
- 2026
- Mar 9Signed by the Governor Larry Rhoden on 2026-03-09 H.J. 534Became Law
- Mar 3Delivered to the Governor on 2026-03-03 H.J. 480To Governor
- Mar 2Signed by the President S.J. 434Major
- Feb 26Signed by the Speaker H.J. 462Major
- Feb 25Senate Do Pass , Passed, YEAS 33, NAYS 0 S.J. 399Passed Senate
- Feb 24Certified uncontested, placed on consent , Passed, S.J. 14
- Vote recorded Do Pass. Result: pass.Upper
- Feb 24Commerce and Energy Do Pass , Passed, YEAS 8, NAYS 0 S.J. 13Minor
- Feb 24Scheduled for hearing
- Jan 28First read in Senate and referred to Senate Commerce and Energy S.J. 131Minor
- Jan 27House of Representatives Do Pass , Passed, YEAS 64, NAYS 1 H.J. 155Passed House
- Vote recorded Do Pass. Result: pass.Lower
- Jan 26Commerce and Energy Do Pass , Passed, YEAS 12, NAYS 1 H.J. 8Minor
- Vote recorded Do Pass. Result: pass.Lower
- Jan 26Scheduled for hearing
- Jan 21First read in House and referred to House Commerce and Energy H.J. 104Introduced
Consumer Protection