This bill, known as the Living Donor Protection Act of 2025, seeks to safeguard individuals who donate organs from discrimination. It explicitly prohibits insurers from denying coverage, canceling policies, refusing to issue, or adjusting premiums for life, disability, or long-term care insurance solely because an individual is a living organ donor. This protection applies unless there are actual, unique, and material actuarial risks associated with the individual's specific circumstances, and state insurance regulators are empowered to enforce these new provisions within their jurisdictions. The legislation also clarifies that recovery from surgery related to organ donation is considered a "serious health condition" under the Family and Medical Leave Act (FMLA). This ensures that both private sector and Federal civil service employees are eligible for protected leave during their recovery period, with Federal employees able to substitute existing organ donor leave for FMLA leave taken for this purpose. Finally, the bill mandates that the Secretary of Health and Human Services review and update public educational materials on living organ donation within six months, incorporating information about the benefits, risks, and the new insurance and FMLA protections established by this Act.