WV HB2045

Prohibits insurers from declining or limiting sickness, disability, or long-term care insurance coverage solely because a person is a living organ donor

Bars insurers from requiring that an insured refrain from donating an organ as a condition of continuing coverage

Prevents insurers from discriminating in offering, pricing, issuing, or canceling policies based solely on living organ donor status without additional actuarial risk justification

Defines "living organ donor" as an individual who has donated all or part of an organ and is not deceased

Applies to health insurance policies issued or renewed on or after July 1, 2025