Living Donor Protection Act of 2025

Key Points

• The bill bars life, disability, and long-term care insurers from denying coverage or charging higher rates just because someone donated an organ while alive, unless there is real medical evidence of added risk.
• The protection covers three types of insurance products people rely on for financial security: life insurance, disability insurance, and long-term care insurance.
• State insurance regulators, not a new federal agency, would be responsible for enforcing these rules, using whatever authority their state laws already give them.
• Within six months of the law passing, the Department of Health and Human Services must update its public materials, including organdonor.gov, to explain the risks, benefits, and new legal protections tied to living organ donation.
• The overall goal is to remove a financial deterrent that discourages people from donating a kidney or part of their liver to save someone else's life.