H.R. 4583: Living Donor Protection Act of 2025
Sponsor
Don Bacon
Republican · NE-2
Bill Progress
Latest Action · Jul 22, 2025
Referred to Energy and Commerce, and in addition to the Committee on Financial Services, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned. for review
Organ donors shouldn't be punished by insurers
Why it matters
A living organ donor could face problems in 3 insurance markets—life, disability, and long-term care—just for donating. H.R. 4583 would bar insurers from denying coverage, raising premiums, or changing terms based only on donor status.
H.R. 4583 would block insurers from treating you differently solely because you are a living organ donor. That includes denying coverage, canceling a policy, refusing to issue one, charging more, or changing the terms in life, disability, and long-term care insurance.
The bill does not create a blanket rule that every donor must be treated the same in every case. It says insurers can still make different decisions if they can point to actual, unique, and material actuarial risks rather than donation status alone.
Enforcement would mostly stay with state insurance regulators, using existing state law. The federal government would also have to update public education materials within 6 months so people considering donation can see the benefits, risks, insurance impact, and the new protections in H.R. 4583.
H.R. 4583 Bill Summary
What H.R. 4583 actually does.
Living donors get insurance protection in 3 markets
H.R. 4583 says insurers cannot deny coverage, cancel coverage, refuse to issue a policy, raise premiums, or change terms based solely on someone's status as a living organ donor. The rule applies to life, disability, and long-term care insurance.
Insurers can still act on documented risk
The bill allows different treatment when an insurer can show actual, unique, and material actuarial risks. In other words, donor status alone is not enough, but insurers are not stripped of underwriting entirely.
States handle enforcement
State insurance regulators would enforce the new protections under their own state laws. H.R. 4583 does not set a new federal fine or damages schedule in the bill text provided.
Federal donor education gets updated in 6 months
The Department of Health and Human Services would have 6 months after enactment to review and update public materials on living organ donation. Those materials must explain the benefits and risks of donation, insurance access issues, and the changes made by H.R. 4583.
Public outreach can run through websites and PSAs
Updated information could be distributed through public service announcements, publicly accessible HHS websites such as organdonor.gov, and other media the department considers appropriate.
Who benefits from H.R. 4583?
People who already donated an organ while alive
If you already donated, H.R. 4583 is aimed directly at the insurance problems that can follow. It would protect you across 3 policy types if an insurer is relying only on your donor status.
People considering a kidney or liver donation
If you're weighing whether to donate, the bill tries to remove one long-term financial worry: getting flagged later when you shop for life, disability, or long-term care coverage.
Families who depend on a donor's coverage
Life and disability insurance are often household safety nets. Keeping donors from losing access or facing higher prices could matter to spouses, children, and other dependents.
Transplant and patient advocacy groups
Groups that encourage living donation would get a clearer federal rule to point to when answering questions about insurance consequences after donation.
Who is affected by H.R. 4583?
Life, disability, and long-term care insurers
These companies would have to change underwriting and pricing decisions if they currently rely on donor status by itself. Under H.R. 4583, they would need more than the fact of donation alone.
State insurance regulators
State regulators would be responsible for enforcement, so complaints and compliance work would likely run through existing state insurance systems rather than a new federal office.
Health and Human Services
HHS would have to review and refresh public-facing donor education within 6 months, including material on insurance access and the new protections in H.R. 4583.
HR4583 Legislative Journey
House: Committee Action
Jul 22, 2025
Referred to the Committee on Energy and Commerce, and in addition to the Committee on Financial Services, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
About the Sponsor
Don Bacon
Republican, Nebraska's 2nd congressional district · 9 years in Congress
Committees: Agriculture, Armed Services
View full profile →
Cosponsors (151)
This bill has 151 cosponsors: 117 Democrats, 34 Republicans, reflecting bipartisan support. Cosponsors represent 41 states: Alabama, Arizona, California, and 38 more.
Jerrold Nadler
Democrat · NY
Troy Balderson
Republican · OH
Jim Costa
Democrat · CA
Mariannette Miller-Meeks
Republican · IA
Joe Wilson
Republican · SC
Andy Barr
Republican · KY
Lloyd Doggett
Democrat · TX
Herbert Conaway
Democrat · NJ
Jennifer McClellan
Democrat · VA
Mike Quigley
Democrat · IL
Yvette Clarke
Democrat · NY
Jesús García
Democrat · IL
Cosponsor Coverage Map
Committee Sponsors
Financial Services Committee
19 of 53 committee members cosponsored
Energy and Commerce Committee
20 of 54 committee members cosponsored
47 Republicans across these committees haven't cosponsored yet. Mobilize their constituents
H.R. 4583 Quick Facts
- Committee
- Financial Services
- Chamber
- House
- Policy
- Health
- Introduced
- Jul 22, 2025
Referred to Energy and Commerce, and in addition to the Committee on Financial Services, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned. for review
Jul 22, 2025
Official Sources
Official bill page with status, text, sponsors, and actions for the Living Donor Protection Act of 2025.
Explains living organ donation and is relevant because the bill requires HHS to update public donor education materials.
Official HHS public education site specifically referenced by the bill analysis as a place for updated donor information.
Includes information tied to qualified long-term care services, which the bill references through section 7702B(c) of the Internal Revenue Code.
Official U.S. Code page for the long-term care services definition cross-referenced in the bill text.
H.R. 4583 Common Questions
Can an insurer deny me coverage because I donated a kidney?
Under H.R. 4583, not solely because you are a living organ donor. The bill says insurers cannot deny or refuse coverage in life, disability, or long-term care insurance based on donor status alone.
Would H.R. 4583 stop higher premiums for organ donors?
Yes—if the higher price is based only on your donor status. H.R. 4583 says insurers need more than that and can still act if they can show actual, unique, and material actuarial risks.
What types of insurance does H.R. 4583 cover?
Three kinds: life insurance, disability insurance, and long-term care insurance. The bill does not create a general rule for every insurance product.
Could an insurer still treat a donor differently under this bill?
Yes. H.R. 4583 allows different treatment if the insurer can point to actual, unique, and material actuarial risks. The bill blocks decisions based on donor status alone, not all underwriting.
Who would enforce the organ donor insurance rules?
State insurance regulators. H.R. 4583 says enforcement would happen under state law rather than through a new federal penalty system.
Does H.R. 4583 create a federal fine for insurers?
Not in the bill text provided. H.R. 4583 relies on state regulators and existing state insurance laws instead of setting a new federal fine amount.
Would the federal government have to update donor information?
Yes. H.R. 4583 gives HHS 6 months after enactment to update public education materials on living organ donation, including insurance access and the bill's new protections.
Based on H.R. 4583 bill text
H.R. 4583 Bill Text
“To promote and protect from discrimination living organ donors.”
Source: U.S. Government Publishing Office
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