State Living Donor Protection Act

HB 5242, the State Living Donor Protection Act, prohibits West Virginia insurers from denying or limiting life insurance, major medical coverage, disability insurance, or long-term care insurance based solely on a person's status as a living organ donor. It directly affects living organ donors who might otherwise face coverage denials, premium increases, or policy cancellations due to their donation status. The bill bans insurers from refusing coverage, requiring donors to forgo organ donation as a condition of coverage, or discriminating in policy terms solely because of donation status. These protections apply to all insurers offering such policies in West Virginia, ensuring donors are not penalized for their life-saving actions.