prohibit an insurer from declining or limiting life, disability, or long-term care insurance policies based solely on an individual's status as a living organ donor.

Plain English Breakdown

Using official source text because the generated explanation was unavailable or could not be confirmed against the official bill text.

prohibit an insurer from declining or limiting life, disability, or long-term care insurance policies based solely on an individual's status as a living organ donor.

prohibit an insurer from declining or limiting life, disability, or long-term care insurance policies based solely on an individual's status as a living organ donor.

What This Bill Does

• prohibit an insurer from declining or limiting life, disability, or long-term care insurance policies based solely on an individual's status as a living organ donor.
• Official keyword topics: Insurance Organ Donation Official sponsor note: Representatives <a rel="noopener" href="https://sdlegislature.gov/Legislators/Profile/4824/Detail">Uhre-Balk</a> (prime), <a rel="noopener" href="https://sdlegislature.gov/Legislators/Profile/4731/Detail">Andera</a>, <a rel="noopener" href="https://sdlegislature.gov/Legislators/Profile/4735/Detail">Bahmuller</a>, <a rel="noopener" href="https://sdlegislature.gov/Legislators/Profile/4737/Detail">Baxter</a>, <a rel="noopener" href="https://sdlegislature.gov/Legislators/Profile/4749/Detail">Emery</a>, <a rel="noopener" href="https://sdlegislature.gov/Legislators/Profile/4752/Detail">Garcia</a>, <a rel="noopener" href="https://sdlegislature.gov/Legislators/Profile/4753/Detail">Goodwin</a>, <a rel="noopener" href="https://sdlegislature.gov/Legislators/Profile/4759/Detail">Healy</a>, <a rel="noopener" href="https://sdlegislature.gov/Legislators/Profile/4760/Detail">Heermann</a>, <a rel="noopener" href="https://sdlegislature.gov/Legislators/Profile/4791/Detail">Muckey</a>, <a rel="noopener" href="https://sdlegislature.gov/Legislators/Profile/4804/Detail">Pourier</a>, <a rel="noopener" href="https://sdlegislature.gov/Legislators/Profile/4811/Detail">Rice</a>, <a rel="noopener" href="https://sdlegislature.gov/Legislators/Profile/4812/Detail">Roby</a>, <a rel="noopener" href="https://sdlegislature.gov/Legislators/Profile/4819/Detail">Shorma</a>, and <a rel="noopener" href="https://sdlegislature.gov/Legislators/Profile/4834/Detail">Wittman</a> and Senators <a rel="noopener" href="https://sdlegislature.gov/Legislators/Profile/4743/Detail">Davis</a> (prime), <a rel="noopener" href="https://sdlegislature.gov/Legislators/Profile/4769/Detail">Jensen (Kevin)</a>, <a rel="noopener" href="https://sdlegislature.gov/Legislators/Profile/4781/Detail">Larson</a>, <a rel="noopener" href="https://sdlegislature.gov/Legislators/Profile/4814/Detail">Rohl</a>, <a rel="noopener" href="https://sdlegislature.gov/Legislators/Profile/4827/Detail">Vilhauer</a>, and <a rel="noopener" href="https://sdlegislature.gov/Legislators/Profile/4837/Detail">Wipf</a>

Limits and Unknowns

• This entry is temporarily using official source text because the generated explanation could not be confirmed against the official bill text during the last sync.

Official Summary Text

prohibit an insurer from declining or limiting life, disability, or long-term care insurance policies based solely on an individual's status as a living organ donor.
Official keyword topics:
Insurance
Organ Donation
Official sponsor note: Representatives <a rel="noopener" href="https://sdlegislature.gov/Legislators/Profile/4824/Detail">Uhre-Balk</a> (prime), <a rel="noopener" href="https://sdlegislature.gov/Legislators/Profile/4731/Detail">Andera</a>, <a rel="noopener" href="https://sdlegislature.gov/Legislators/Profile/4735/Detail">Bahmuller</a>, <a rel="noopener" href="https://sdlegislature.gov/Legislators/Profile/4737/Detail">Baxter</a>, <a rel="noopener" href="https://sdlegislature.gov/Legislators/Profile/4749/Detail">Emery</a>, <a rel="noopener" href="https://sdlegislature.gov/Legislators/Profile/4752/Detail">Garcia</a>, <a rel="noopener" href="https://sdlegislature.gov/Legislators/Profile/4753/Detail">Goodwin</a>, <a rel="noopener" href="https://sdlegislature.gov/Legislators/Profile/4759/Detail">Healy</a>, <a rel="noopener" href="https://sdlegislature.gov/Legislators/Profile/4760/Detail">Heermann</a>, <a rel="noopener" href="https://sdlegislature.gov/Legislators/Profile/4791/Detail">Muckey</a>, <a rel="noopener" href="https://sdlegislature.gov/Legislators/Profile/4804/Detail">Pourier</a>, <a rel="noopener" href="https://sdlegislature.gov/Legislators/Profile/4811/Detail">Rice</a>, <a rel="noopener" href="https://sdlegislature.gov/Legislators/Profile/4812/Detail">Roby</a>, <a rel="noopener" href="https://sdlegislature.gov/Legislators/Profile/4819/Detail">Shorma</a>, and <a rel="noopener" href="https://sdlegislature.gov/Legislators/Profile/4834/Detail">Wittman</a> and Senators <a rel="noopener" href="https://sdlegislature.gov/Legislators/Profile/4743/Detail">Davis</a> (prime), <a rel="noopener" href="https://sdlegislature.gov/Legislators/Profile/4769/Detail">Jensen (Kevin)</a>, <a rel="noopener" href="https://sdlegislature.gov/Legislators/Profile/4781/Detail">Larson</a>, <a rel="noopener" href="https://sdlegislature.gov/Legislators/Profile/4814/Detail">Rohl</a>, <a rel="noopener" href="https://sdlegislature.gov/Legislators/Profile/4827/Detail">Vilhauer</a>, and <a rel="noopener" href="https://sdlegislature.gov/Legislators/Profile/4837/Detail">Wipf</a>

Current Bill Text

26.340.10 101st Legislative Session 1101

2026 South Dakota Legislature
House Bill 1101
ENROLLED

AN ACT

ENTITLED An Act to prohibit an insurer from declining or limiting life, disability, or
long-term care insurance policies based solely on an individual's status as a
living organ donor.
BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF SOUTH DAKOTA:
Section 1. That a NEW SECTION be added to chapter 58-1:
An insurer may not:
(1) Decline or limit coverage of an individual under any life, disability, or long -term
care insurance policy solely due to the status of the individual as a living organ
donor;
(2) Condition the continuation of a life, disability, or long -term care insurance policy
on an insured individual not becoming a living organ donor; or
(3) Otherwise discriminate in the offering, issuance, cancellation, amount of coverage,
price, or any other condition of a life, disability, or long-term care insurance policy
based solely, and without any additional actuarial risk, upon the status of an
individual as a living organ donor.
For purposes of this section, "living organ donor" means an individual who has
donated all or part of an organ and is not deceased.
26.340.10 2 1101
HB1101 ENROLLED
An Act to prohibit an insurer from declining or limiting life, disability, or long -term care
insurance policies based solely on an individual's status as a living organ donor.

I certify that the attached Act originated in
the:

House as Bill No. 1101

Chief Clerk of the House

Speaker of the House

Attest:

Chief Clerk of the House

President of the Senate

Attest:

Secretary of the Senate

House Bill No. 1101
File No. ____
Chapter No. ______

Received at this Executive Office
this _____ day of _____________,

2026 at ____________M.

By
for the Governor

The attached Act is hereby
approved this ________ day of
______________, A.D., 2026

Governor

STATE OF SOUTH DAKOTA,
ss.
Office of the Secretary of State

Filed ____________, 2026
at _________ o'clock __M.

Secretary of State

By
Asst. Secretary of State