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HR4583FEDERALin_committee

Living Donor Protection Act of 2025

July 22, 2025

healthcare insurance organ donation consumer protection public health

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Where This Stands

Introduced

Committee

Floor Vote

Passed

Signed

Currently in_committee. The next step in the legislative lifecycle is Floor Vote.

Last action

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.Jul 22, 2025

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 →

The Frame

What this does

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 is mentioned in the record

Potentially affected actors named in the source documents. Mention is not a position.

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.

What changed

Current stage: in_committee.

What's next

Floor Vote.

Summary

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.

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.
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?

Under this bill, insurance companies would be prohibited from increasing your premiums or denying you coverage solely because you are a .

Does this apply to all types of insurance?

No, it specifically applies to life insurance, disability insurance, and long-term care insurance policies.

What if an insurance company claims there is a medical risk?

The bill allows insurers to vary terms only if they can prove there are actual, unique, and material s associated with the donation.

Why It Matters

News Coverage

No news coverage found yet. Articles are indexed twice daily.

Discoveries

Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.

policy shift90% confidence

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.

Department of Health and Human Services

Connected Entities

personMr. Bacon“Primary sponsor of the bill in the House of Representatives.”Map →

organizationDepartment of Health and Human Services“Responsible for updating public educational materials regarding organ donation.”Map →

personMr. Nadler“Co-sponsor of the bill.”Map →

Analysis Score

0–100

Significance65
How much this matters to a regular citizen
Controversy15
Intensity of disagreement among stakeholders
Entertainment5
Compellingness for a non-policy-wonk reader
Buzz25
Current news / social attention level

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