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.
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