Bill > HB1082

This bill establishes new protections for living organ donors in Indiana, preventing insurance companies from discriminating against individuals who donate organs. Specifically, the bill prohibits insurers offering life, disability, or long-term care insurance from declining, limiting, or precluding coverage based solely on an individual's status as a living organ donor. Insurance companies cannot deny, cancel, or adjust insurance policies, coverage amounts, or pricing based on organ donation without demonstrating additional actuarial risks. The bill defines a "living organ donor" as an individual who intends to donate or has already donated part or all of an organ while still alive. Any insurer who violates these provisions will be considered to have committed an unfair and deceptive act in the insurance business, which can subject them to regulatory penalties. This legislation aims to remove financial and insurance-related barriers that might discourage people from becoming organ donors by ensuring they cannot be penalized in their insurance coverage for their altruistic medical decision.

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https://iga.in.gov/legislative/2025/bills/house/1082/details