Legislation is working its way through Congress that would eliminate exclusions for preexisting conditions for both group and individual policies. This would be a good thing.
At the very least, lawmakers should require that insurers notify policyholders that donating an organ could result in higher rates or reduced coverage.
"The fact that someone is willing to donate an organ -- society shouldn't penalize that person," said Dr. Tse-Ling Fong, who works with USC's Liver Transplant Program and Center for Liver Disease, which conducts about 40 transplants a year.
"I feel a moral responsibility to inform patients about what they could face from insurers," he said. "But at this point, it's a huge unknown."