If passed, HB1390 would amend existing sections of the Indiana Code concerning insurance provisions. Effective from July 1, 2024, the bill would legally classify any actions taken by insurers that limit or deny coverage based solely on an individual's status as a living organ donor as 'unfair and deceptive acts' within the scope of the insurance business. This change signifies a commitment to safeguard the rights of organ donors and promote the act of organ donation without fear of losing insurance benefits or facing increased premiums.
Summary
House Bill 1390 aims to establish protections for individuals who donate organs while alive, specifically by preventing insurance companies from discriminating against these donors. The bill prohibits insurers from taking any adverse actions regarding life, disability, or long-term care insurance policies solely based on a person's status as a living organ donor. This legislative effort is rooted in ensuring that potential donors do not face penalties or limitations from insurance providers that could dissuade organ donation, thereby supporting public health initiatives and transplant programs in Indiana.
Contention
Despite the supportive intent of HB1390, there are concerns about its potential implications. Opponents argue that the legislation could disrupt existing insurance risk assessments and lead to unanticipated consequences, such as increased costs for insurers which might ultimately filter down to consumers. The debate surrounding the bill raises important questions about balancing donor rights with the operational viability of insurance companies, indicating that while organ donation rates should be encouraged, it is essential to consider the broader economic impact on the insurance sector.