A bill for an act relating to living organ donors and life insurance, disability insurance, and long-term care insurance.(See HF 2633.)
Summary
House File 2193 would prohibit insurers from treating a person less favorably solely because that person is a living organ donor. The bill applies to life insurance, disability insurance, and long-term care insurance policies. It defines a living organ donor as a living person who has donated all or part of an organ, and it defines covered persons broadly to include policyholders, subscribers, enrollees, or other individuals participating in a policy.
Under the bill, an insurer could not decline or limit coverage, require a person to stop being a donor as a condition of continued coverage, or otherwise discriminate in the offering, issuance, cancellation, coverage amount, pricing, or other policy terms based only on donor status. The bill also directs the commissioner of insurance to adopt rules to administer the new section of law.
Impact
The bill would add a new section to Iowa Code chapter 511 governing insurance practices for living organ donors. Its practical effect would be to bar life, disability, and long-term care insurers from using donor status alone as a basis for adverse underwriting or policy decisions, while leaving insurers free to consider other lawful risk factors. It would also create an administrative rulemaking duty for the insurance commissioner.
Sentiment
The available record shows no committee transcript or recorded votes, so there is no detailed public debate to gauge. The bill’s subject matter suggests a consumer-protection and pro-donor policy approach, aimed at reducing barriers for people who choose to donate organs. The bill was ultimately withdrawn, which indicates it did not advance to enactment in the form introduced.
Contention
No specific points of contention are documented in the provided materials. Based on the text, any likely concerns would center on whether insurers should be restricted from considering donor status in underwriting, how to distinguish donor status from other health-related risk factors, and whether the rulemaking authority given to the insurance commissioner is sufficiently clear. Support would likely come from organ-donation advocates and consumer groups, while insurers could be expected to scrutinize the impact on pricing and risk assessment.
Similar To
A bill for an act relating to living organ donors and life insurance, disability insurance, and long-term care insurance. (Formerly HF 2193.) Effective date: 07/01/2026.
A bill for an act relating to living organ donors and life insurance, disability insurance, and long-term care insurance. (Formerly HF 2193.) Effective date: 07/01/2026.
Prohibit an insurer from declining or limiting life, disability, or long-term care insurance policies based solely on an individual's status as a living organ donor.