prohibit an insurer from declining or limiting life, disability, or long-term care insurance policies based solely on an individual's status as a living organ donor.

HB 1101 prohibits insurers from denying or limiting life, disability, or long-term care insurance coverage solely because someone is a living organ donor. It specifically bans insurers from: (1) refusing coverage based on donor status, (2) requiring donors to stop donating to maintain coverage, or (3) charging higher premiums or imposing other restrictions due to donor status alone. The bill ensures that living organ donors cannot face insurance discrimination without evidence of actual increased health risk. This directly protects individuals who donate organs while alive from unfair treatment by insurance companies.