Relating to health insurance for living organ donors

SB 954 prohibits health insurers in West Virginia from denying coverage, increasing premiums, or canceling sickness, disability, or long-term care insurance policies solely because someone is a living organ donor. The bill applies to policies issued or renewed after July 1, 2026, and specifically bans insurers from: (1) refusing coverage based on donor status, (2) requiring donors to stop donating to maintain coverage, or (3) otherwise discriminating against donors in policy terms. It directly affects living organ donors and insurers regulated under West Virginia's health insurance laws. The legislation ensures donors cannot face financial penalties for their altruistic act through their health insurance.