Living Donor Protection Act of 2025
Sponsored By: Representative Bacon
Introduced
Summary
Protects living organ donors from insurance discrimination. This bill would bar life, disability, and long-term care insurers from denying coverage, canceling policies, refusing to issue policies, or charging different premiums solely because someone donated an organ, unless there is a real, unique actuarial risk tied to donation.
Show full summary
- Living donors: Would prevent insurers from denying or raising costs for life, disability, or long-term care insurance based only on donor status when no unique actuarial risk exists.
- State regulators: Leaves enforcement to state insurance regulators acting under each state's laws.
- Public and potential donors: Requires the Department of Health and Human Services to update public education materials within 6 months, using organdonor.gov, public service announcements, and other media to explain donation risks, benefits, and the new insurance protections.
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Bill Overview
Analyzed Economic Effects
2 provisions identified: 2 benefits, 0 costs, 0 mixed.
No insurance penalties for living donors
If enacted, insurers would not be allowed to deny, cancel, or raise prices on life, disability, or certain long‑term care policies just because you are a living organ donor. They could change terms only if they can show actual, unique, and material actuarial risks tied to your donation. State insurance regulators would enforce this rule under state law. This protection would start on enactment.
Update public info on living donation
HHS would update public materials on living organ donation within 6 months of enactment. The updates would explain benefits and risks and how donation can affect access to insurance, including these proposed insurance protections. HHS would use PSAs, websites like organdonor.gov, and other media.
Sponsors & CoSponsors
Sponsor
Bacon
NE • R
Cosponsors
Nadler
NY • D
Sponsored 7/22/2025
Balderson
OH • R
Sponsored 7/29/2025
Costa
CA • D
Sponsored 7/29/2025
Miller-Meeks
IA • R
Sponsored 7/29/2025
Wilson (SC)
SC • R
Sponsored 7/29/2025
Barr
KY • R
Sponsored 7/29/2025
Doggett
TX • D
Sponsored 7/29/2025
Conaway
NJ • D
Sponsored 7/29/2025
McClellan
VA • D
Sponsored 7/29/2025
Quigley
IL • D
Sponsored 7/29/2025
Clarke (NY)
NY • D
Sponsored 7/29/2025
Garcia (IL)
IL • D
Sponsored 7/29/2025
Schneider
IL • D
Sponsored 7/29/2025
Tonko
NY • D
Sponsored 7/29/2025
Evans (PA)
PA • D
Sponsored 7/29/2025
Veasey
TX • D
Sponsored 7/29/2025
Bonamici
OR • D
Sponsored 7/29/2025
Sherrill
NJ • D
Sponsored 7/29/2025
DelBene
WA • D
Sponsored 7/29/2025
Strickland
WA • D
Sponsored 7/29/2025
Tlaib
MI • D
Sponsored 7/29/2025
Valadao
CA • R
Sponsored 7/29/2025
Fitzpatrick
PA • R
Sponsored 7/29/2025
McCollum
MN • D
Sponsored 7/29/2025
Garcia (CA)
CA • D
Sponsored 7/29/2025
Sewell
AL • D
Sponsored 7/29/2025
Brownley
CA • D
Sponsored 7/29/2025
Davids (KS)
KS • D
Sponsored 7/29/2025
Huffman
CA • D
Sponsored 7/29/2025
Ciscomani
AZ • R
Sponsored 7/29/2025
Moore (WI)
WI • D
Sponsored 7/29/2025
Auchincloss
MA • D
Sponsored 7/29/2025
Deluzio
PA • D
Sponsored 7/29/2025
Lieu
CA • D
Sponsored 7/29/2025
Boyle (PA)
PA • D
Sponsored 7/29/2025
Meng
NY • D
Sponsored 8/8/2025
Vargas
CA • D
Sponsored 8/8/2025
Kim
CA • R
Sponsored 8/8/2025
Cohen
TN • D
Sponsored 8/8/2025
Tokuda
HI • D
Sponsored 8/8/2025
Matsui
CA • D
Sponsored 8/8/2025
Scott, David
GA • D
Sponsored 8/8/2025
Del. Norton, Eleanor Holmes [D-DC-At Large]
DC • D
Sponsored 8/8/2025
Jayapal
WA • D
Sponsored 8/8/2025
Schakowsky
IL • D
Sponsored 8/8/2025
McIver
NJ • D
Sponsored 8/8/2025
Torres (NY)
NY • D
Sponsored 8/8/2025
Lawler
NY • R
Sponsored 8/8/2025
Chu
CA • D
Sponsored 8/8/2025
Crow
CO • D
Sponsored 8/8/2025
Ross
NC • D
Sponsored 8/8/2025
Simon
CA • D
Sponsored 8/8/2025
McBride
DE • D
Sponsored 8/8/2025
Vasquez
NM • D
Sponsored 8/8/2025
Case
HI • D
Sponsored 8/8/2025
Perez
WA • D
Sponsored 8/15/2025
Vindman
VA • D
Sponsored 8/15/2025
Thompson (MS)
MS • D
Sponsored 8/15/2025
Pocan
WI • D
Sponsored 8/15/2025
Williams (GA)
GA • D
Sponsored 8/15/2025
Takano
CA • D
Sponsored 8/26/2025
Stanton
AZ • D
Sponsored 8/26/2025
Gottheimer
NJ • D
Sponsored 8/26/2025
Meuser
PA • R
Sponsored 8/26/2025
Malliotakis
NY • R
Sponsored 8/26/2025
Mrvan
IN • D
Sponsored 8/26/2025
Norcross
NJ • D
Sponsored 8/26/2025
Balint
VT • D
Sponsored 9/4/2025
Craig
MN • D
Sponsored 9/4/2025
Trahan
MA • D
Sponsored 9/10/2025
Miller (WV)
WV • R
Sponsored 9/10/2025
Randall
WA • D
Sponsored 9/10/2025
Ivey
MD • D
Sponsored 9/17/2025
Castro (TX)
TX • D
Sponsored 9/17/2025
Cuellar
TX • D
Sponsored 9/19/2025
Jackson (IL)
IL • D
Sponsored 9/26/2025
Bresnahan
PA • R
Sponsored 9/30/2025
Cole
OK • R
Sponsored 10/8/2025
McClain Delaney
MD • D
Sponsored 10/8/2025
Gillen
NY • D
Sponsored 10/17/2025
Lynch
MA • D
Sponsored 10/17/2025
Rouzer
NC • R
Sponsored 10/17/2025
Dean (PA)
PA • D
Sponsored 10/17/2025
Carey
OH • R
Sponsored 10/17/2025
Harder (CA)
CA • D
Sponsored 10/31/2025
Soto
FL • D
Sponsored 10/31/2025
Loudermilk
GA • R
Sponsored 10/31/2025
Dexter
OR • D
Sponsored 10/31/2025
Houlahan
PA • D
Sponsored 10/31/2025
Castor (FL)
FL • D
Sponsored 10/31/2025
Kelly (PA)
PA • R
Sponsored 11/7/2025
Shreve
IN • R
Sponsored 11/7/2025
Allen
GA • R
Sponsored 11/7/2025
Pingree
ME • D
Sponsored 11/7/2025
Fitzgerald
WI • R
Sponsored 11/20/2025
Latimer
NY • D
Sponsored 11/20/2025
Scanlon
PA • D
Sponsored 12/5/2025
Fletcher
TX • D
Sponsored 12/5/2025
Beatty
OH • D
Sponsored 12/5/2025
Rutherford
FL • R
Sponsored 12/5/2025
Mfume
MD • D
Sponsored 12/5/2025
Bilirakis
FL • R
Sponsored 12/12/2025
Tenney
NY • R
Sponsored 12/12/2025
Bynum
OR • D
Sponsored 12/12/2025
Walkinshaw
VA • D
Sponsored 12/12/2025
Levin
CA • D
Sponsored 12/16/2025
Thompson (CA)
CA • D
Sponsored 12/16/2025
Escobar
TX • D
Sponsored 12/16/2025
Foster
IL • D
Sponsored 12/17/2025
Min
CA • D
Sponsored 12/17/2025
Neguse
CO • D
Sponsored 12/18/2025
Tran
CA • D
Sponsored 12/18/2025
Pou
NJ • D
Sponsored 1/16/2026
Van Orden
WI • R
Sponsored 2/17/2026
Davis (NC)
NC • D
Sponsored 2/17/2026
Carter (LA)
LA • D
Sponsored 2/17/2026
McBath
GA • D
Sponsored 3/26/2026
Moskowitz
FL • D
Sponsored 3/26/2026
Budzinski
IL • D
Sponsored 3/26/2026
Cleaver
MO • D
Sponsored 3/26/2026
Kean
NJ • R
Sponsored 3/26/2026
Roll Call Votes
No roll call votes available for this bill.
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