The Living Donor Protection Act of 2025 prohibits life insurance, disability insurance, and long-term care insurance companies from denying coverage, canceling policies, or charging higher premiums to people solely because they are living organ donors, unless the insurer can demonstrate actual and material health risks specific to that individual. The bill affects both organ donors and insurance companies across the United States, with enforcement handled by state insurance regulators using their existing authority. Additionally, the legislation requires the Department of Health and Human Services to review and update educational materials within six months of enactment to inform the public about the benefits and risks of organ donation and how it may impact insurance access, including updates to websites like organdonor.gov and public service announcements. This measure aims to remove insurance-related barriers that may discourage people from becoming living organ donors.