Relative to insurance coverage for living organ donors.
The enactment of HB 1155 is expected to have a significant positive impact on individuals who donate organs while also enhancing the public's perception of organ donation. By safeguarding against discriminatory practices, the bill aims to encourage more people to consider donating organs, knowing they will not be penalized in terms of their insurance. This could potentially increase organ donation rates, which is vital for addressing the shortage of available organs for transplantation. The law is set to apply to all relevant insurance policies issued or renewed after July 1, 2024, making it a timely addition to the state's legislative framework.
House Bill 1155 aims to provide protections for living organ donors in New Hampshire by ensuring that they are not unfairly treated by insurance policies. The bill prohibits life insurance, long-term care insurance, and disability insurance providers from denying or canceling coverage based on an individual's status as a living organ donor. Furthermore, it prevents insurers from increasing premiums, limiting benefits, or discriminating against covered persons solely due to their organ donation status. This legislation addresses a critical gap in protection for organ donors, who may face adverse impacts on their insurance coverage due to their altruistic choices.
While there seems to be a general consensus about the importance of protecting living organ donors, discussions around HB 1155 might reflect concerns regarding the potential financial implications for insurance companies. Critics may argue that mandating such protections could lead to an increase in insurance premiums overall, affecting all policyholders. Some may also question how the bill would be enforced and whether it could lead to conflicts with existing insurance regulations. Nevertheless, proponents of the bill emphasize the moral obligation to protect individuals who make significant personal sacrifices for the benefit of others, advocating for a balance between corporate interests and altruistic behavior.