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.


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                    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

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                                 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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