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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.
Summary
The Cost-of-Living Fairness Act would require that payments for certain insurance policy premiums be deducted from an individual's income when determining eligibility for Federal benefits and assistance programs. The covered insurance policies include auto insurance for passenger vehicles, homeowner's or renter's insurance, and flood insurance. These insurance premium payments would be excluded from both income and resources calculations for determining benefits eligibility or the amount of benefits under Federal programs and State or local programs financed with Federal funds. The bill applies to insurance policies that provide specified benefits to the individual or a member of their household. This change would affect how Federal and federally-funded assistance programs calculate eligibility and benefit amounts.
AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.
Sponsor (1)
12 cosponsors
- Del. Norton, Eleanor Holmes [D-DC-At Large] (D-DC)
- Rep. Barragán, Nanette Diaz [D-CA-44] (D-CA)
- Rep. Cherfilus-McCormick, Sheila [D-FL-20] (D-FL)
- Rep. DeLauro, Rosa L. [D-CT-3] (D-CT)
- Rep. Escobar, Veronica [D-TX-16] (D-TX)
- Rep. Horsford, Steven [D-NV-4] (D-NV)
- Rep. Jackson, Jonathan L. [D-IL-1] (D-IL)
- Rep. McDonald Rivet, Kristen [D-MI-8] (D-MI)
- Rep. McIver, LaMonica [D-NJ-10] (D-NJ)
- Rep. Ramirez, Delia C. [D-IL-3] (D-IL)
- Rep. Thanedar, Shri [D-MI-13] (D-MI)
- Rep. Watson Coleman, Bonnie [D-NJ-12] (D-NJ)
Actions (2)
- Sep 26, 2025 Referred to the House Committee on Oversight and Government Reform. · house
- Sep 26, 2025 Introduced in House
Similar bills (6)
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Text versions (1)
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Full text
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. <all>
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