Living Donor Protection Act of 2025
Summary
The Living Donor Protection Act of 2025 aims to protect living organ donors from discrimination by insurance companies. It prohibits insurers from denying or varying the terms of life, disability, or long-term care insurance policies based solely on an individual's status as a living organ donor. The bill also directs the Secretary of Health and Human Services to update educational materials regarding the benefits, risks, and insurance implications of living organ donation.
Expected Effects
This act would likely increase the willingness of individuals to become living organ donors by removing a potential financial disincentive. It will also ensure that the public is better informed about the process and its implications. This could lead to an increase in the number of organ donations, potentially saving more lives.
Potential Benefits
- Protects living organ donors from insurance discrimination.
- Increases awareness of the benefits and risks of living organ donation.
- Potentially increases the number of living organ donors.
- Promotes fairness and equity in healthcare access.
- Supports individuals who make selfless contributions to others' health.
Potential Disadvantages
- May lead to increased costs for insurance companies, potentially passed on to consumers.
- Enforcement relies on state insurance regulators, which may lead to inconsistent application.
- The definition of 'solely' could be subject to interpretation, potentially allowing for loopholes.
- Potential for unintended consequences if risk assessment is overly restricted.
- Limited impact if public awareness campaigns are not effectively implemented.
Constitutional Alignment
The Living Donor Protection Act of 2025 appears to align with the general welfare clause of the US Constitution. The promotion of organ donation and protection of living donors can be argued to promote the general health and well-being of the population. The act does not appear to infringe upon any specific constitutional rights or limitations.
Impact Assessment: Things You Care About ⓘ
This action has been evaluated across 19 key areas that matter to you. Scores range from 1 (highly disadvantageous) to 5 (highly beneficial).