Existing law prohibits health insurers from denying, limiting or excluding a covered benefit or requiring an insured to pay a higher premium, deductible, coinsurance or copay based on the health status of the insured or the covered spouse or dependent of the insured. (NRS 287.010, 287.04335, 689A.032, 689B.500, 689C.190, 695A.232, 695B.183, 695C.050, 695C.1701, 695F.151, 695G.155) Existing law also prohibits unfair discrimination in a policy or contract of life insurance, life annuity or health insurance. (NRS 686A.100) Existing law authorizes the Commissioner of Insurance to enforce the provisions of law that prohibit unfair trade practices in the business of insurance, including unfair discrimination in a policy or contract of life insurance, life annuity or health insurance. (NRS 686A.160, 686A.183) Section 1 of this bill prohibits a person from discriminating against a living organ donor with regard to any policy or contract of life insurance, life annuity or health insurance based solely, and without any additional actuarial risk, on his or her status as a living organ donor. Sections 3, 5 and 6 of this bill authorize the Commissioner to enforce the requirements of section 1 in the same manner as other provisions governing the trade practices of insurers. Section 4 of this bill provides that certain practices are not discrimination for the purposes of section 1. Sections 2 and 7-17 of this bill make conforming changes to indicate the proper placement of section 1 in the Nevada Revised Statutes.

Statutes affected:
As Introduced: 686A.010, 686A.015, 686A.120, 686A.160, 686A.183, 686A.520, 688C.175, 689.160, 689.595, 695B.320, 695C.300, 695D.290, 695E.170, 695F.090, 696A.360, 697.360
As Enrolled: 686A.010, 686A.015, 686A.120, 686A.160, 686A.183, 686A.520, 688C.175, 689.160, 689.595, 695B.320, 695C.300, 695D.290, 695E.170, 695F.090, 696A.360, 697.360
BDR: 686A.010, 686A.015, 686A.120, 686A.160, 686A.183, 686A.520, 688C.175, 689.160, 689.595, 695B.320, 695C.300, 695D.290, 695E.170, 695F.090, 696A.360, 697.360