Relating to health insurance for living organ donors

HB 2045 prohibits health insurance companies in West Virginia from denying coverage, increasing premiums, or canceling policies solely because someone is a living organ donor. It directly affects individuals who donate organs (like kidneys or parts of the liver) while maintaining health insurance, ensuring they cannot be penalized for their donation. The law bans insurers from refusing coverage, forcing donors to stop donating to keep coverage, or charging more based only on donation status. This applies to sickness, disability, and long-term care insurance policies issued or renewed after July 1, 2025. The bill aims to prevent discrimination against organ donors in their health insurance.