Living Donor Protection Act of 2025

This bill, titled the "Living Donor Protection Act of 2025," seeks to safeguard individuals who have donated an organ from insurance discrimination. It explicitly prohibits insurers from denying coverage, canceling policies, refusing to issue, or varying the price or terms of life insurance , disability insurance , or long-term care insurance policies based solely on a person's status as a living organ donor, unless there are actual, unique, and material actuarial risks. State insurance regulators are authorized to enforce these new provisions. Furthermore, the legislation directs the Secretary of Health and Human Services to review and update public educational materials related to living organ donation within six months of enactment. These updated materials must inform the public about the benefits and risks of donation, as well as the impact of donation on a donor's access to insurance, specifically including information on the statutory changes made by this Act. The Secretary is encouraged to use various media, such as Public Service Announcements and government websites like organdonor.gov, to disseminate this crucial information.