Legislation Search

H.R. 4583: Living Donor Protection Act of 2025

This bill, known as the Living Donor Protection Act of 2025, aims to provide protections for individuals who donate organs while they are still alive. It includes several key provisions as follows:

Prohibition on Insurance Discrimination

The bill states that insurance companies cannot discriminate against living organ donors when it comes to life insurance, disability insurance, or long-term care insurance. Specifically, insurers are prohibited from:

Denying coverage, canceling coverage, or refusing to issue policies to living organ donors.
Increasing premiums or altering any terms or conditions of existing policies solely based on the individual's status as a living organ donor.

However, this prohibition does not apply if there are actual, unique, and material actuarial risks related to the donor's health status. Enforcement of this provision will be managed by state insurance regulators, who can take actions as permitted by state laws.

Educational Initiatives

The bill also addresses the need for educational materials about the benefits and risks of living organ donation. It mandates the following:

The Secretary of Health and Human Services must review and update existing educational resources, focusing on the impacts of living organ donation on insurance access and the associated benefits and risks.
The updates must be completed within six months of the bill's enactment and include information about the new protections provided by the bill.
The Secretary will utilize various means to disseminate this information, including public service announcements and accessible websites related to organ donation.

Definitions

To clarify the terms used in the bill:

A living organ donor is defined as an individual who has donated all or part of an organ while still alive.
A life insurance policy is a contract that pays a designated beneficiary upon the death of the insured.
A disability insurance policy pays a sum of money if a person's illness or injury prevents them from working.
A long-term care insurance policy covers qualified long-term care services.

Conclusion

The Living Donor Protection Act of 2025 seeks to prevent discrimination against living organ donors by insurance companies and to enhance public knowledge and education regarding organ donation.

Relevant Companies

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This is an AI-generated summary of the bill text. There may be mistakes.

Actions

2 actions

Date	Action
Jul. 22, 2025	Introduced in House
Jul. 22, 2025	Referred to the Committee on Energy and Commerce, and in addition to the Committee on Financial Services, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.

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