This bill aims to protect living organ donors from discrimination in the context of life insurance, long-term care insurance, or disability insurance policies. It prohibits insurers from denying or canceling coverage, denying eligibility or renewal, reducing benefits, increasing premiums, or imposing any other adverse conditions on policyholders solely based on their status as living organ donors. The bill ensures that living organ donors are not subject to disparate treatment without additional actuarial risks being involved. Additionally, insurers cannot prevent a covered person from donating an organ as a condition for receiving or continuing coverage.

The bill defines a "covered person" as anyone who holds or is included in a policy, contract, or certificate under life, long-term care, or disability insurance. A "living organ donor" is defined as an individual who has donated an organ or tissue for transplant while still alive. The act is applicable to all relevant insurance policies offered, issued, renewed, delivered, or issued for delivery in the state on or after July 1, 2024. The effective date of the act is July 1, 2024. There are no insertions or deletions marked in the provided text.