I 
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. BARRAGA´N, 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 Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Cost-of-Living Fair-
ness Act’’. 
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SEC. 2. INCOME DETERMINATION WITH RESPECT TO PAY-
MENTS FOR INSURANCE POLICIES. 
(a) IN GENERAL.—Notwithstanding any other provi-
sion 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 ben-
efits 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 in-
surer 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 
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of health, or loss through damage to, or de-
struction 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 prin-
cipal residence of an individual that is— 
(i) issued under the National Flood 
Insurance Act of 1968; 
(ii) a policy for private flood insur-
ance, 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 ve-
hicle’’, and ‘‘State’’ have the meanings given the 
terms, respectively, in section 32101 of title 49, 
United States Code. 
Æ 
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