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HF 2633

A bill for an act relating to living organ donors and life insurance, disability insurance, and long-term care insurance.

2025-2026 Regular Session

Iowa law prohibits insurers from denying or disadvantaging life, disability, and long-term care coverage based on applicant's living organ donor status.

Signed by Governor.
#anatomicalgifts #disabilityinsurance #lifeinsurance #long-termcareinsurance
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WeVote Research Nonpartisan
Bill Summary · HF 2633

Legislative bill overview

HF 2633 prohibits life insurance, disability insurance, and long-term care insurance companies from denying coverage, charging higher premiums, or imposing other unfavorable terms based solely on an individual's status as a living organ donor. The bill aims to remove financial disincentives that may discourage people from becoming organ donors.

Why is this important

Living organ donation saves lives—kidney and liver donations from living donors have better outcomes than cadaveric donations—but potential donors sometimes hesitate due to concerns about insurance costs and coverage. By removing insurance-based barriers, this legislation could increase donation rates while protecting donors from financial discrimination related to their medical decision.

Potential points of contention

  • Insurance industry concerns: Insurers may argue that organ donors represent a higher actuarial risk due to surgery complications, reduced organ function, or long-term health effects, and that restricting underwriting based on donor status could increase premiums for other policyholders.
  • Definitional clarity: The bill's scope may need clarification—does it cover all complications related to donation, pre-existing conditions unrelated to donation, or only complications directly caused by the donation surgery itself?
  • Long-term data gaps: Limited long-term health outcome data exists for living donors, particularly regarding disability and long-term care needs 20-30 years post-donation, making actuarial assessment difficult.

Compiled from official sources — confirm details with the bill’s official record.

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