Cost-of-Living Fairness Act

[Congressional Bills 119th Congress]
[From the U.S. Government Publishing Office]
[H.R. 5612 Introduced in House (IH)]

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119th CONGRESS
  1st Session
                                H. R. 5612

 To require payments for certain insurance policy premiums to be taken 
  into account in determining eligibility for benefits or assistance 
        provided through Federal funds, and for other purposes.


_______________________________________________________________________


                    IN THE HOUSE OF REPRESENTATIVES

                           September 26, 2025

    Ms. Tlaib (for herself, Ms. DeLauro, Ms. Norton, Mr. Jackson of 
Illinois, Ms. Barragan, Ms. McDonald Rivet, Mrs. McIver, Mr. Thanedar, 
  Ms. Escobar, Mrs. Watson Coleman, and Mrs. Ramirez) introduced the 
 following bill; which was referred to the Committee on Oversight and 
                           Government Reform

_______________________________________________________________________

                                 A BILL


 
 To require payments for certain insurance policy premiums to be taken 
  into account in determining eligibility for benefits or assistance 
        provided through Federal funds, and for other purposes.

    Be it enacted by the Senate and House of Representatives of the 
United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Cost-of-Living Fairness Act''.

SEC. 2. INCOME DETERMINATION WITH RESPECT TO PAYMENTS FOR INSURANCE 
              POLICIES.

    (a) In General.--Notwithstanding any other provision of law, a 
payment made by an individual for a covered insurance policy that 
provides a specified benefit to the individual or a member of the 
household of the individual shall be deducted from the income and 
resources of the individual in determining the eligibility of the 
individual, or any member of the household of the individual, for 
benefits or assistance (or the amount or extent of benefits or 
assistance) under any Federal program or under any State or local 
program financed in whole or in part with Federal funds.
    (b) Definitions.--In this section:
            (1) The term ``covered insurance policy'' means any of the 
        following:
                    (A) An insurance policy provided by an insurer for 
                a passenger motor vehicle registered under applicable 
                State law to--
                            (i) the individual who pays for the policy; 
                        or
                            (ii) a member of the household of such 
                        individual.
                    (B) An insurance policy or product under applicable 
                State law that insures, guarantees, or indemnifies 
                against liability, loss of life, loss of health, or 
                loss through damage to, or destruction of, property, 
                which is available to the individual who pays for the 
                policy or product or a member of the household of such 
                individual based on the status of the individual or 
                member as a homeowner or a renter.
                    (C) A flood insurance policy for the principal 
                residence of an individual that is--
                            (i) issued under the National Flood 
                        Insurance Act of 1968;
                            (ii) a policy for private flood insurance, 
                        as such term is defined in section 102(b) of 
                        the Flood Disaster Protection Act of 1973; or
                            (iii) designed to supplement either of the 
                        types of policies described in clause (i) or 
                        (ii).
            (2) The terms ``insurer'', ``passenger motor vehicle'', and 
        ``State'' have the meanings given the terms, respectively, in 
        section 32101 of title 49, United States Code.
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