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.
Summary
HF 2633 creates a new section of Iowa insurance law prohibiting insurers from treating a person differently solely because that person is a living organ donor. The bill applies to life insurance, disability insurance, and long-term care insurance policies. Under the new law, an insurer may not decline or limit coverage, require a person to stop being a living organ donor as a condition of continued coverage, or otherwise discriminate in issuance, cancellation, coverage amount, price, or other policy terms based only on donor status.
The bill defines key terms such as “covered person,” “insurer,” “living organ donor,” and “policy,” and authorizes the insurance commissioner to adopt rules to administer the section. It takes effect July 1, 2026, and becomes part of Iowa’s insurance code as Acts Chapter 1110.
Impact
The bill adds a new anti-discrimination protection to Iowa insurance statutes by limiting how life, disability, and long-term care insurers may underwrite or price policies for living organ donors. It does not require insurers to ignore all medical information, but it bars adverse action based solely on donor status. The measure gives the insurance commissioner rulemaking authority to implement the law and will affect insurers, policyholders, and individuals considering or having undergone organ donation.
Sentiment
The bill appears to have broad bipartisan support and little visible opposition. It passed the House 89-0, received a unanimous Senate Commerce report, and then passed the Senate 44-0. The voting history suggests the measure was viewed favorably as a targeted consumer-protection and organ-donation-support bill.
Contention
No major points of contention are evident in the available record. The main policy issue is the scope of protection for living organ donors in insurance underwriting and pricing, but the unanimous votes indicate little disagreement over the bill’s approach. Any practical questions are likely to center on how insurers may continue to assess risk while complying with the prohibition on decisions based solely on donor status.
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.
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