Living Donor Protection Act of 2025

[Congressional Bills 119th Congress]
[From the U.S. Government Publishing Office]
[H.R. 4583 Introduced in House (IH)]

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119th CONGRESS
  1st Session
                                H. R. 4583

    To promote and protect from discrimination living organ donors.

_______________________________________________________________________

                    IN THE HOUSE OF REPRESENTATIVES

                             July 22, 2025

 Mr. Bacon (for himself and Mr. Nadler) introduced the following bill;
  which was 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

_______________________________________________________________________

                                 A BILL

    To promote and protect from discrimination living organ donors.

    Be it enacted by the Senate and House of Representatives of the
United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Living Donor Protection Act of
2025''.

SEC. 2. PROHIBITION ON DENIAL OF COVERAGE OR INCREASE IN PREMIUMS OF
              LIFE OR DISABILITY INSURANCE FOR LIVING ORGAN DONORS.

    (a) Prohibition.--Notwithstanding any other provision of law, an
insurer shall not deny coverage, cancel coverage, refuse to issue,
determine the price or premium for, or otherwise vary any term or
condition of a life insurance policy, disability insurance policy, or
long-term care insurance policy for a person based solely, and without
any actual, unique, and material actuarial risks, on the status of such
person as a living organ donor.
    (b) Enforcement.--A State insurance regulator may take such actions
to enforce subsection (a) as are specifically authorized under the laws
of such State.
    (c) Definitions.--In this section:
            (1) Disability insurance policy.--The term ``disability
        insurance policy'' means a contract under which an entity
        promises to pay a person a sum of money in the event that an
        illness or injury resulting in a disability prevents such
        person from working.
            (2) Life insurance policy.--The term ``life insurance
        policy'' means a contract under which an entity promises to pay
        a designated beneficiary a sum of money upon the death of the
        insured.
            (3) Living organ donor.--The term ``living organ donor''
        means an individual who has donated all or part of an organ and
        is not deceased.
            (4) Long-term care insurance policy.--The term ``long-term
        care insurance policy'' means a contract for which the only
        insurance protection provided under the contract is coverage of
        qualified long-term care services (as defined in section
        7702B(c) of the Internal Revenue Code of 1986).

SEC. 3. UPDATING OF EDUCATIONAL MATERIALS ON THE BENEFITS AND RISKS OF
              LIVING ORGAN DONATION.

    (a) Educational Materials.--
            (1) Review and updating.--Not later than 6 months after the
        date of enactment of this Act, the Secretary of Health and
        Human Services (in this section referred to as the
        ``Secretary'') shall review and update materials related to
        living organ donation in order to educate the public on--
                    (A) the benefits and risks of living organ
                donation; and
                    (B) the impact of living organ donation on the
                access of a living organ donor to insurance.
            (2) Information on statutory changes.--Such updating shall
        include information on the changes made by section 2 of this
        Act.
    (b) Methods of Updating.--In carrying out subsection (a), the
Secretary shall update, as appropriate--
            (1) Public Service Announcements previously provided by the
        Secretary;
            (2) publicly accessible websites (such as organdonor.gov,
        or a successor website) that are maintained by the Secretary
        and that contain information and resources regarding living
        organ donation; and
            (3) other media determined appropriate by the Secretary.
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