MS HB191

Enacts "Cole's Law" to prohibit discrimination against individuals with disabilities seeking anatomical gifts or organ transplants based solely on their disability status.

Requires covered entities (health care providers, hospitals, transplant centers, and organ matching entities) to provide reasonable modifications, auxiliary aids, and services to ensure individuals with disabilities can access transplant-related services including evaluation, surgery, and post-operative care.

Allows covered entities to consider a disability as medically significant only after individualized evaluation by a physician, and prohibits denial of transplant eligibility based on lack of independent compliance with post-transplant requirements if adequate support systems exist.

Restricts health insurance issuers from denying coverage for anatomical gifts, organ transplants, or related services solely based on disability, and prohibits incentivizing providers to limit care based on disability status.

Permits civil action in circuit or county court for injunctive relief and equitable remedies with expedited review; does not create rights to compensatory or punitive damages and does not prohibit coverage denials for medically inappropriate transplants.