Bill · H.R. 5612· House(119-HR-5612)
Cost-of-Living Fairness Act
- Introduced
- 9/26/2025
- Last activity
- 9/26/2025 — Referred to the House Committee on Oversight and Government Reform.
- Sponsored by
- Rashida Tlaib
- Cosponsors
- - 12 - 0
- Introduced
- In Committee
What this bill would do
The "Cost-of-Living Fairness Act" aims to change how eligibility for government help is calculated. It would require that payments made for certain insurance premiums be deducted from a person's income and resources. This change would apply when determining eligibility for any Federal program or any State or local program that uses Federal funds. Covered policies include passenger motor vehicle insurance and certain property insurance for homeowners or renters. It also includes specific flood insurance policies for a person's principal residence.
Yes· 3 of 7
Would households on low incomes be better off under this?+5
The bill provides financial relief by adjusting how assistance eligibility is determined for those paying insurance premiums.
Is this likely to lift people out of poverty?+5
By lowering the calculated income for benefit eligibility via insurance deductions, the bill provides a mechanism to lift more people out of poverty.
Would people over 65 be better off under this?+3
Seniors relying on fixed incomes and federal assistance may see increased benefit amounts due to these new deductions.
The opposite
Does this reduce what the federal government spends?-2
By allowing insurance premium deductions in eligibility calculations, some individuals may qualify for higher levels of assistance, potentially increasing program outlays.
Who it would affect, and how
Potential Positive Impacts for People
-
Lower Income Calculations for Benefits: Payments made for covered insurance policies would be deducted from an individual's income and resources. This could change the amount or extent of benefits or assistance a person receives under Federal, State, or local programs financed by Federal funds. (Section 2(a))
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Inclusion of Vehicle Insurance: The bill includes insurance for passenger motor vehicles registered to the individual or a household member as a covered deduction. (Section 2(b)(1)(A))
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Inclusion of Property and Liability Insurance: The bill allows for the deduction of insurance or products that protect against liability, loss of life, loss of health, or property damage for homeowners or renters. (Section 2(b)(1)(B))
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Inclusion of Flood Insurance: Deductions can be made for flood insurance policies for a principal residence, including those issued under the National Flood Insurance Act of 1968 or private flood insurance. (Section 2(b)(1)(C))
Potential Negative Impacts for People
- No negative impacts are explicitly stated in the text provided.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Demographic And Interest Groups
- Good For Low Income Households+5Good For Seniors+3Good For Middle Class Households+2
- Social Issues And Justice
- Improves Poverty Reduction+5Improves Affordable Housing+3Improves Social Security+2
- Healthcare
- Increases Medicaid Funding+3
- Economy And Finance
- Reduces Government Spending-2
- 10/3/2025
- 1 Cosponsor added.
- 9/30/2025
- 1 Cosponsor added.
- 9/26/2025
- Referred to the House Committee on Oversight and Government Reform.
- 10 Cosponsors added.
- Introduced in House
Nanette BarragánDemocrat · California
Sheila Cherfilus-McCormickDemocrat · Florida
Rosa DeLauroDemocrat · Connecticut
Veronica EscobarDemocrat · Texas
Steven HorsfordDemocrat · Nevada
Jonathan JacksonDemocrat · Illinois
LaMonica McIverDemocrat · New Jersey
Kristen McDonald RivetDemocrat · Michigan
Eleanor NortonDemocrat · District of Columbia
Delia RamirezDemocrat · Illinois
Shri ThanedarDemocrat · Michigan
Bonnie Watson ColemanDemocrat · New Jersey