A bill for an act relating to living organ donors and life insurance, disability insurance, and long-term care insurance.

HF 2193 prohibits Iowa insurance companies from discriminating against living organ donors in life, disability, or long-term care insurance. The bill specifically bans insurers from denying coverage, limiting benefits, charging higher prices, or restricting coverage solely because a person is a living organ donor. It also prevents insurers from requiring donors to give up their ability to donate organs as a condition of coverage. The law defines a "living organ donor" as someone who has donated part or all of an organ while alive, and requires the Iowa Insurance Commissioner to create rules for enforcement. This directly affects individuals who have donated organs and seek or maintain insurance coverage.