State Living Donor Protection Act

HB 3224, the State Living Donor Protection Act, prohibits insurers in West Virginia from denying or limiting coverage on life insurance, major medical, disability, or long-term care policies solely because a person is a living organ donor. The bill specifically bans insurers from refusing coverage, making organ donation a condition for maintaining coverage, or discriminating in pricing or terms based on donor status alone. It amends West Virginia Code §33-13-25 to add these protections, requiring insurers to treat living donors the same as other policyholders without additional risk-based premiums. This bill directly affects individuals considering or who have already donated organs, ensuring they cannot face insurance discrimination for that decision. The bill was introduced in the House on March 7, 2025, and referred to the Finance Committee.