An Act Concerning Living Organ Donor Insurance Discrimination.
If passed, this legislation intends to change the landscape of insurance practices concerning organ donors. It will prohibit insurers from unfairly distinguishing against organ donors in terms of insurance terms, coverage, or rates. This aligns with efforts to promote organ donation and protect the rights of living donors, potentially leading to increased participation in organ donation programs.
House Bill 05255, titled 'An Act Concerning Living Organ Donor Insurance Discrimination', is aimed at preventing insurers from discriminating against individuals solely because they are living organ donors. This bill seeks to establish that such discrimination constitutes an unfair method of competition and an unfair and deceptive act under the Connecticut Unfair Insurance Practices Act. The effective date of the enactment is January 1, 2021, and it applies to the issuance, renewal, and amendment of life and long-term care insurance policies.
While the bill appears to have broad support in legislative discussions, there may be varying opinions about its potential impact on insurance markets. Some stakeholders may argue about the financial implications for insurers, particularly concerning risk assessments and actuarial practices. However, proponents emphasize the ethical necessity of protecting living organ donors from discrimination, which they argue is critical for public health and wellbeing.