This bill prohibits life insurance companies from denying coverage, charging higher premiums, or changing policy terms for people who have donated a kidney as living donors. The law makes it illegal for insurers to treat kidney donors differently based solely on their donor status unless they can prove the person poses additional health risks unrelated to the donation itself. The bill applies to all life insurance policies and allows kidney donors who face discrimination to sue insurance companies in federal court and recover damages plus attorney's fees. The legislation does not prevent states from creating stronger protections for kidney donors if they choose to do so. No specific funding or implementation timeline is included in the bill.
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