Relating to health insurance for living organ donors

HB 4348 prohibits health insurance companies in West Virginia from denying coverage, increasing premiums, or canceling policies for individuals who have donated an organ while alive (living organ donors). The law specifically applies to sickness, disability, and long-term care insurance policies issued or renewed after July 1, 2026. Insurers cannot refuse coverage, limit benefits, or impose higher costs solely because someone is a living organ donor, even if no additional health risks are present. This directly protects living organ donors from insurance discrimination while ensuring they maintain access to these essential coverage types.