[CongressionalENROLLED BillsORIGINAL 119thANACT Congress]___________ [FromIN THE COUNCIL OF THE DISTRICT OF COLUMBIA ___________ To amend the U.S.Insurance Trade and Economic Development Amendment Act of 2000 to prohibit insurers from taking certain actions based solely on an individual’s status as a living donor.

GovernmentBE PublishingIT Office]ENACTED [H.R.BY THE COUNCIL OF THE DISTRICT OF COLUMBIA, That this act may be cited as the “Living Donor Protection Amendment Act of 2025”.

4583Sec. Introduced in House (IH)] <DOC> 119th CONGRESS 1st Session H.

R.

4583 To promote and protect from discrimination living organ donors.

_______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES July 22, 2025 Mr.

Bacon (for himself and Mr.

Nadler) introduced the following bill;

which was 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 _______________________________________________________________________ A BILL To promote and protect from discrimination living organ donors.

Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1.

SHORT TITLE.

This Act may be cited as the ``Living Donor Protection Act of 2025''.

SEC.

PROHIBITIONThe ONInsurance DENIALTrade OFand COVERAGEEconomic ORDevelopment INCREASEAmendment INAct PREMIUMSof OF2000, LIFEeffective ORApril DISABILITY3, INSURANCE2001 FOR(D.C. LIVING ORGAN DONORS.

(a)Law Prohibition.--Notwithstanding13-265; any other provision of law, an insurer shall not deny coverage, cancel coverage, refuse to issue, determine the price or premium for, or otherwise vary any term or condition of a life insurance policy, disability insurance policy, or long-term care insurance policy for a person based solely, and without any actual, unique, and material actuarial risks, on the status of such person as a living organ donor.

(b)D.C. Enforcement.--A State insurance regulator may take such actions to enforce subsection (a) as are specifically authorized under the laws of such State.

(c)Official Definitions.--InCode this§ section:31-2231.01 et seq.), is amended as follows:

(1)(a) DisabilitySection insurance101 policy.--The(D.C. term ``disability insurance policy'' means a contract under which an entity promises to pay a person a sum of money in the event that an illness or injury resulting in a disability prevents such person from working.

(2)Official LifeCode insurance§ policy.--The31-2231.01) termis ``lifeamended insuranceas policy''follows: means a contract under which an entity promises to pay a designated beneficiary a sum of money upon the death of the insured.

(3)(1) LivingNew organparagraphs donor.--The(7A) termand ``living(7B) organare donor''added meansto anread individualas whofollows: has donated all or part of an organ and is not deceased.

(4)“(7A) Long-term“Living caredonor” insurance policy.--The term ``long-term care insurance policy'' means aan contractindividual forwho whichhas thedonated onlyall, insuranceor protectionpart, provided under the contract is coverage of qualifiedan long-termorgan careor servicestissue (asand definedis innot sectiondeceased. 7702B(c) of the Internal Revenue Code of 1986).

SEC.“(7B) “Organ” means a human eye, kidney, liver, heart, lung, pancreas, esophagus, stomach, small or large intestine, a portion of the gastrointestinal tract, or another part of the human body designated by the Commissioner by rule.”.

(2) A new paragraph (8A) is added to read as follows:

“(8A) “Tissue” means a portion of the human body other than an organ, including skin, bone, bone marrow, a heart valve, a spermatozoon, an ova, an artery, a vein, a tendon, a ligament, blood, blood derivatives, a pituitary gland, fluid, or another portion of the human body designated by the Commissioner by rule.”.

(b) Section 111 (D.C.

Official Code § 31-2231.11) is amended by adding a new subsection (c-1) to read as follows:

“(c-1)(1) Notwithstanding any other provision in this act, no insurer shall deny coverage, cancel coverage, or refuse to issue, determine the price or premium for, or otherwise vary any term or condition of a life insurance policy, disability insurance policy, or long-term care insurance policy for an individual based solely on, and without any actual, unique, and material actuarial risks related to, the status of the individual as a living donor.

ENROLLED ORIGINAL “(2) Paragraph (1) of this subsection shall apply to life insurance policies, disability insurance policies, and long-term care insurance policies delivered or issued for delivery after January 1, 2026.”.

Sec.

UPDATINGFiscal OFimpact EDUCATIONALstatement. MATERIALS ON THE BENEFITS AND RISKS OF LIVING ORGAN DONATION.

(a)The EducationalCouncil Materials.--adopts (1) Review and updating.--Not later than 6 months after the datefiscal ofimpact enactmentstatement ofin this Act, the Secretarycommittee ofreport Health and Human Services (in this section referred to as the ``Secretary'')fiscal shallimpact reviewstatement andrequired updateby materialssection related4a toof living organ donation in order to educate the publicGeneral on--Legislative (A)Procedures theAct benefitsof and1975, risksapproved ofOctober living16, organ2006 donation;(120 Stat.

and2038; (B) the impact of living organ donation on the access of a living organ donor to insurance.

(2)D.C. Information on statutory changes.--Such updating shall include information on the changes made by section 2 of this Act.

(b)Official MethodsCode of§ Updating.--In1-301.47a). carrying out subsection (a), the Secretary shall update, as appropriate-- (1) Public Service Announcements previously provided by the Secretary;

(2)Sec. publicly accessible websites (such as organdonor.gov, or a successor website) that are maintained by the Secretary and that contain information and resources regarding living organ donation;

and4. (3) other media determined appropriate by the Secretary.

<all>Effective date.

This act shall take effect following approval by the Mayor (or in the event of veto by the Mayor, action by the Council to override the veto) and a 30-day period of congressional review as provided in section 602(c)(1) of the District of Columbia Home Rule Act, approved December 24, 1973 (87 Stat.

813;

D.C.