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Read. Follow. Verify.Living Donor Protection Act of 2025
Last action · July 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.Sponsors: Don Bacon and 159 others
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What This Bill Would Do
This bill prohibits life, disability, and long-term care insurance companies from denying coverage or increasing premiums for individuals solely because they are s. It also requires the Department of Health and Human Services to update public educational materials to reflect these new protections.
The bill prevents insurance companies from penalizing s with higher costs or coverage denials, ensuring that individuals who donate organs do not face financial barriers to obtaining personal insurance policies.
Who It Would Affect
Groups the bill's text would affect if enacted, as described in the record. Being affected is not a position for or against it.
Living organ donors
They are protected from insurance discrimination, including premium hikes or coverage denials based on their donor status.
Life, disability, and long-term care insurers
They are prohibited from using organ donor status as a factor in underwriting or pricing unless they can prove specific actuarial risk.
State insurance regulators
They are tasked with enforcing the new federal prohibitions within their respective states.
Key Facts
- Insurance companies are prohibited from denying, canceling, or varying the terms of life, disability, or long-term care insurance based solely on a person's status as a living organ donor.
- Insurance companies may only vary terms if they can demonstrate actual, unique, and material actuarial risks related to the donation.
- State insurance regulators are authorized to enforce these new federal prohibitions under their existing state laws.
- The Secretary of Health and Human Services must review and update public educational materials on organ donation within 6 months of the bill's enactment.
Show all 6 facts
- Updated educational materials must include information about the new insurance protections provided by this Act.
- The Secretary must update public service announcements, government websites like organdonor.gov, and other media to reflect these changes.
Frequently Asked Questions
Will my life insurance premiums go up if I donate an organ?
Does this apply to all types of insurance?
What if an insurance company claims there is a medical risk?
What else do you want to know?
News Coverage
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Votes, people, money & the original sourceWhere This Stands
Currently in committee. The next step in the legislative lifecycle is Floor Vote.
Procedural history
2 actions- Jul 22, 2025HouseCommitteeReferred 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.
- Jul 22, 2025HouseIntroducedIntroduced in House
Version history
Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.
View official text →Full breakdown
Who this bill affects and the strongest case for and against it, written only from the bill’s own text.
Sponsors
Show 155 more sponsors
Discoveries
Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.
Federal Preemption of Insurance Underwriting
The bill shifts the standard for insurance underwriting by requiring insurers to prove 'actual, unique, and material' risk rather than relying on general donor status.
Connected Entities
Sources
www.congress.gov
Analysis Score
0–100- Significance65How much this matters to a regular citizen
- Controversy15Intensity of disagreement among stakeholders
- Entertainment5Compellingness for a non-policy-wonk reader
- Buzz25Current news / social attention level
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