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HR6423119th CongressWALLET

HELP Copays Act

Sponsored By: Representative Kean

Introduced

Summary

This bill makes sure third-party help from charities and drug makers actually reduces what patients owe by requiring those payments to count toward a plan's deductible, coinsurance, copayment, and out-of-pocket limits. It also includes a safe harbor so counting those payments does not disqualify a plan as a high deductible health plan for health savings account rules.

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Bill Overview

Analyzed Economic Effects

2 provisions identified: 2 benefits, 0 costs, 0 mixed.

Charity and drug payments count toward deductibles

If enacted, the bill would require group and individual health plans to treat amounts paid by or on behalf of an enrollee as counting toward that enrollee's deductible, coinsurance, copayment, or out-of-pocket limit. This includes financial help from nonprofit organizations and prescription drug manufacturers. It would also direct that ACA rules for essential health benefits be applied to prescription drugs using the prescription drug category. These rules would apply to plan years beginning on or after January 1, 2026.

Keep HSA eligibility when assistance counts

If enacted, the bill would add a safe harbor so a plan would not lose high-deductible health plan status just because it counts amounts paid by or on behalf of an enrollee toward the deductible. The safe harbor covers assistance for outpatient prescription drugs from nonprofits and drug manufacturers. This would help preserve Health Savings Account eligibility. It would apply for plan years beginning on or after January 1, 2026.

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Sponsors & CoSponsors

Sponsor

Kean

NJ • R

Cosponsors

  • Rep. Barragan, Nanette Diaz [D-CA-44]

    CA • D

    Sponsored 12/4/2025

  • Rep. Miller-Meeks, Mariannette [R-IA-1]

    IA • R

    Sponsored 12/4/2025

  • Rep. Auchincloss, Jake [D-MA-4]

    MA • D

    Sponsored 12/4/2025

  • Rep. Fitzpatrick, Brian K. [R-PA-1]

    PA • R

    Sponsored 12/4/2025

  • Rep. Watson Coleman, Bonnie [D-NJ-12]

    NJ • D

    Sponsored 12/4/2025

  • Rep. Matsui, Doris O. [D-CA-7]

    CA • D

    Sponsored 12/9/2025

  • Simon

    CA • D

    Sponsored 12/9/2025

  • Rep. Ross, Deborah K. [D-NC-2]

    NC • D

    Sponsored 12/10/2025

  • Rep. Davids, Sharice [D-KS-3]

    KS • D

    Sponsored 12/10/2025

  • Ciscomani

    AZ • R

    Sponsored 12/17/2025

  • Rep. Bonamici, Suzanne [D-OR-1]

    OR • D

    Sponsored 12/17/2025

  • Rep. Levin, Mike [D-CA-49]

    CA • D

    Sponsored 12/17/2025

  • Pfluger

    TX • R

    Sponsored 12/18/2025

  • Rep. Quigley, Mike [D-IL-5]

    IL • D

    Sponsored 12/19/2025

  • Rep. Lieu, Ted [D-CA-36]

    CA • D

    Sponsored 12/19/2025

  • Rep. Panetta, Jimmy [D-CA-19]

    CA • D

    Sponsored 1/7/2026

  • Rep. Gottheimer, Josh [D-NJ-5]

    NJ • D

    Sponsored 1/7/2026

  • Wilson (SC)

    SC • R

    Sponsored 1/7/2026

  • Salazar

    FL • R

    Sponsored 1/7/2026

  • Rep. Stevens, Haley M. [D-MI-11]

    MI • D

    Sponsored 1/7/2026

  • Rep. Case, Ed [D-HI-1]

    HI • D

    Sponsored 1/12/2026

  • Rep. Subramanyam, Suhas [D-VA-10]

    VA • D

    Sponsored 1/15/2026

  • Rep. Meuser, Daniel [R-PA-9]

    PA • R

    Sponsored 1/30/2026

  • Rep. Suozzi, Thomas R. [D-NY-3]

    NY • D

    Sponsored 1/30/2026

  • Rep. Goldman, Daniel S. [D-NY-10]

    NY • D

    Sponsored 2/2/2026

  • Rep. Pocan, Mark [D-WI-2]

    WI • D

    Sponsored 2/10/2026

  • LaLota

    NY • R

    Sponsored 2/24/2026

  • Rep. Cohen, Steve [D-TN-9]

    TN • D

    Sponsored 3/4/2026

  • Rep. Tokuda, Jill N. [D-HI-2]

    HI • D

    Sponsored 3/19/2026

  • Rep. Pappas, Chris [D-NH-1]

    NH • D

    Sponsored 3/19/2026

  • Rep. Moulton, Seth [D-MA-6]

    MA • D

    Sponsored 3/20/2026

  • Rep. Balint, Becca [D-VT-At Large]

    VT • D

    Sponsored 3/24/2026

  • Rep. Adams, Alma S. [D-NC-12]

    NC • D

    Sponsored 3/24/2026

  • Rep. DelBene, Suzan K. [D-WA-1]

    WA • D

    Sponsored 3/24/2026

  • Rep. Houlahan, Chrissy [D-PA-6]

    PA • D

    Sponsored 3/24/2026

  • Bynum

    OR • D

    Sponsored 3/25/2026

  • Rep. Lee, Summer L. [D-PA-12]

    PA • D

    Sponsored 3/26/2026

  • Rep. Kiggans, Jennifer A. [R-VA-2]

    VA • R

    Sponsored 3/27/2026

  • Del. Norton, Eleanor Holmes [D-DC-At Large]

    DC • D

    Sponsored 4/6/2026

  • Riley (NY)

    NY • D

    Sponsored 4/6/2026

  • Rep. Crow, Jason [D-CO-6]

    CO • D

    Sponsored 4/9/2026

  • Conaway

    NJ • D

    Sponsored 4/21/2026

  • Rep. Kennedy, Timothy M. [D-NY-26]

    NY • D

    Sponsored 4/13/2026

  • Rep. Torres, Ritchie [D-NY-15]

    NY • D

    Sponsored 4/15/2026

  • Rep. Hayes, Jahana [D-CT-5]

    CT • D

    Sponsored 4/27/2026

Roll Call Votes

No roll call votes available for this bill.

View on Congress.gov
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