Read twice and referred to the Committee on Health, Education, Labor, and Pensions.
The bill bars life, disability, and long-term care insurers from denying coverage or raising premiums solely because a person is a living organ donor, unless there are actual, unique, material actuarial risks. It amends the Family and Medical Leave Act and federal civil service leave law to explicitly include recovery from organ donation as a serious health condition and allows certain leave substitution for federal employees.
Liberal emphasizes donor protections and wants stronger enforcement
Relative to its intended legislative type, this bill provides clear substantive changes to protect living organ donors by prohibiting specified insurer actions, amending leave statutes, and mandating educational updates, but it leaves important implementation details—definitions of key actuarial standards, federal enforcement mechanisms, funding or appropriations, interaction with ERISA and state law, and accountability measures—under-specified.
The bill bars life, disability, and long-term care insurers from denying coverage or raising premiums solely because a person is a living organ donor, unless there are actual, unique, material actuarial risks.
It amends the Family and Medical Leave Act and federal civil service leave law to explicitly include recovery from organ donation as a serious health condition and allows certain leave substitution for federal employees.
The bill requires HHS to update public educational materials within six months about donation benefits, risks, and insurance impacts.
Short, targeted, low-cost public-health protections typically attract cross-aisle support, though insurer resistance and federalism questions create uncertainty.
Relative to its intended legislative type, this bill provides clear substantive changes to protect living organ donors by prohibiting specified insurer actions, amending leave statutes, and mandating educational updates, but it leaves important implementation details—definitions of key actuarial standards, federal enforcement mechanisms, funding or appropriations, interaction with ERISA and state law, and accountability measures—under-specified.
Liberal emphasizes donor protections and wants stronger enforcement
These are examples from the analysis, not a ranked list of the most-affected groups.
Liberal emphasizes donor protections and wants stronger enforcement
This persona would view the bill favorably as it reduces barriers to living organ donation and protects donors from insurance discrimination.
They would applaud the explicit FMLA inclusion and HHS outreach.
They may push for stronger enforcement and broader coverage of other insurance types.
This persona would generally support the bill as a targeted, pragmatic measure to protect donors and clarify leave rules.
They would value the limited, specific scope but seek clarity on enforcement, costs, and insurer actuarial standards.
They would favor monitoring outcomes and making adjustments if problems arise.
This persona would be sympathetic to protecting donors but wary of federal preemption of insurance regulation and new mandates on insurers.
They would emphasize insurer actuarial freedom and state regulatory primacy.
Some conservatives might accept the bill as narrow and popular; others would seek more state control or carveouts.
Reached or meaningfully advanced
Reached or meaningfully advanced
Still ahead
Still ahead
Still ahead
Short, targeted, low-cost public-health protections typically attract cross-aisle support, though insurer resistance and federalism questions create uncertainty.
The bill has not accumulated any surfaced votes yet.
Liberal emphasizes donor protections and wants stronger enforcement
Short, targeted, low-cost public-health protections typically attract cross-aisle support, though insurer resistance and federalism questio…
Relative to its intended legislative type, this bill provides clear substantive changes to protect living organ donors by prohibiting specified insurer actions, amending leave statutes, and mandating educational updates…
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