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H.R.2851 / 114th Congress

Equality in Insurance Act of 2015

Referred to the House Committee on Financial Services.

Official summary

Version 00 · Introduced in House · Jun 23, 2015

Equality in Insurance Act of 2015

This bill requires an insurer, when rating and underwriting any insurance policy that takes into consideration the marital status of the proposed insured, to consider the proposed insured to be married if the proposed insured is in a legal marriage, a civil union, or a domestic partnership with substantially the same legal obligations and consequences as a legal marriage under the laws of any jurisdiction (including any state of the United States, the District of Columbia, the Commonwealth of Puerto Rico, Guam, the Northern Mariana Islands, the Virgin Islands, American Samoa, or any foreign jurisdiction).

Any person aggrieved by a violation of this Act may bring a civil action for damages and relief, including equitable relief.

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Who introduced it

Rep. Ellison, Keith [D-MN-5] · D–MN

Committees

  • Financial Services Committee
1 cosponsorship records, including any withdrawals

Actions

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  1. Referred to the House Committee on Financial Services.

  2. Introduced in House

  3. Introduced in House

Bill text & related measures

Text links open the official source. We currently store references to these documents.

Related bills identified by Congress.gov

No related bills are listed in this snapshot. This does not establish whether the proposal has appeared in earlier Congresses.

Source last updated: Aug 12, 2025. Consult Congress.gov for the current record.

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Neutral evidence review

Objective

Analyze H.R.2851 as objectively as possible. Explain its main provisions, who would be affected, possible benefits and harms, implementation, exceptions, and uncertainties. Present the strongest arguments for and against it, and identify evidence needed to assess its public impact.

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Fairness and public impact

Progressive lens

Examine H.R.2851 through a progressive lens, focusing on fairness, access, economic inequality, and effects on vulnerable communities. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and distinguish stated goals from demonstrated outcomes.

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Institutions and government scope

Conservative lens

Examine H.R.2851 through a conservative lens, focusing on fiscal responsibility, institutional stability, federalism, and the scope of government. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and any provisions that challenge this perspective.

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Individual rights and government power

Liberty lens

Examine H.R.2851 through a civil-liberties and limited-government lens. Consider individual rights, privacy, voluntary choice, accountability, and government power. Explain tradeoffs, possible safeguards, and the strongest counterarguments without assuming the proposal is beneficial or harmful.

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