Referred to the House Committee on Financial Services.
This bill bars life insurers from refusing, canceling, or charging different prices based solely on a person’s status as a living kidney donor, unless there is evidence of additional actuarial risks unrelated to donation. It creates a private right of action allowing harmed individuals to sue for damages and attorney’s fees.
Liberal emphasizes donor protections and donation encouragement
Relative to its intended legislative type, this bill concisely establishes a clear substantive prohibition against life-insurance discrimination based solely on living kidney donor status and creates a private federal cause of action.
This bill bars life insurers from refusing, canceling, or charging different prices based solely on a person’s status as a living kidney donor, unless there is evidence of additional actuarial risks unrelated to donation.
It creates a private right of action allowing harmed individuals to sue for damages and attorney’s fees.
The bill preserves state or local laws that offer greater protections to living kidney donors.
Low-cost, narrow, bipartisan-appealing change improves prospects, but industry opposition and federalism concerns lower probability.
Relative to its intended legislative type, this bill concisely establishes a clear substantive prohibition against life-insurance discrimination based solely on living kidney donor status and creates a private federal cause of action. It is legally focused and narrowly scoped, but its statutory craftsmanship is limited in areas that commonly require further specification for effective implementation and predictable enforcement.
Liberal emphasizes donor protections and donation encouragement
These are examples from the analysis, not a ranked list of the most-affected groups.
Liberal emphasizes donor protections and donation encouragement
Likely to view the bill positively as an anti-discrimination protection that supports organ donation and donor welfare.
Seen as a modest federal safeguard complementing stronger state protections and reducing barriers to donation.
Generally favorable but cautious.
Values protecting donors while wanting clearer actuarial standards and attention to insurance market impacts and litigation risk.
Likely to oppose or be skeptical, viewing this as federal intrusion into insurance underwriting and increased regulatory burden.
Concerned about litigation and disruption to actuarial practices.
Reached or meaningfully advanced
Reached or meaningfully advanced
Still ahead
Still ahead
Still ahead
Low-cost, narrow, bipartisan-appealing change improves prospects, but industry opposition and federalism concerns lower probability.
The bill has not accumulated any surfaced votes yet.
Liberal emphasizes donor protections and donation encouragement
Low-cost, narrow, bipartisan-appealing change improves prospects, but industry opposition and federalism concerns lower probability.
Relative to its intended legislative type, this bill concisely establishes a clear substantive prohibition against life-insurance discrimination based solely on living kidney donor status and creates a private federal c…
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