119-hr-6423119th CongressWALLET

HELP Copays Act

Sponsored By: Representative Kean, Thomas H. [R-NJ-7]

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.

Sponsors & CoSponsors

Sponsor

Kean, Thomas H. [R-NJ-7]

NJ • R

Cosponsors

Rep. Keating, William R. [D-MA-9]
MA • D
Sponsored 9/28/2026
Rep. Castro, Joaquin [D-TX-20]
TX • D
Sponsored 9/28/2026
Rep. Deluzio, Christopher R. [D-PA-17]
PA • D
Sponsored 10/22/2026
Rep. Barragán, 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
Rep. Simon, Lateefah [D-CA-12]
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
Rep. Ciscomani, Juan [R-AZ-6]
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
Rep. Pfluger, August [R-TX-11]
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
Rep. Wilson, Joe [R-SC-2]
SC • R
Sponsored 1/7/2026
Rep. Salazar, Maria Elvira [R-FL-27]
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
Rep. LaLota, Nick [R-NY-1]
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
Rep. Bynum, Janelle S. [D-OR-5]
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
Rep. Riley, Josh [D-NY-19]
NY • D
Sponsored 4/6/2026
Rep. Crow, Jason [D-CO-6]
CO • D
Sponsored 4/9/2026
Rep. Conaway, Herbert C. [D-NJ-3]
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
Rep. Foster, Bill [D-IL-11]
IL • D
Sponsored 5/11/2026
Rep. Barrett, Tom [R-MI-7]
MI • R
Sponsored 5/11/2026
Rep. Rutherford, John H. [R-FL-5]
FL • R
Sponsored 5/11/2026
Rep. Lynch, Stephen F. [D-MA-8]
MA • D
Sponsored 5/19/2026
Rep. Pingree, Chellie [D-ME-1]
ME • D
Sponsored 5/21/2026
Rep. Garamendi, John [D-CA-8]
CA • D
Sponsored 5/21/2026
Rep. Fine, Randy [R-FL-6]
FL • R
Sponsored 5/29/2026
Rep. Thanedar, Shri [D-MI-13]
MI • D
Sponsored 6/2/2026
Rep. McCollum, Betty [D-MN-4]
MN • D
Sponsored 6/3/2026
Rep. Foushee, Valerie P. [D-NC-4]
NC • D
Sponsored 6/23/2026
Rep. Dean, Madeleine [D-PA-4]
PA • D
Sponsored 6/24/2026
Rep. Sorensen, Eric [D-IL-17]
IL • D
Sponsored 6/29/2026
Rep. Schrier, Kim [D-WA-8]
WA • D
Sponsored 6/30/2026
Rep. DeSaulnier, Mark [D-CA-10]
CA • D
Sponsored 7/13/2026
Rep. Vasquez, Gabe [D-NM-2]
NM • D
Sponsored 7/20/2026
Rep. García, Jesús G. "Chuy" [D-IL-4]
IL • D
Sponsored 7/22/2026
Rep. Mills, Cory [R-FL-7]
FL • R
Sponsored 8/3/2026
Rep. Morrison, Kelly [D-MN-3]
MN • D
Sponsored 9/8/2026
Rep. Soto, Darren [D-FL-9]
FL • D
Sponsored 9/8/2026
Rep. Garcia, Sylvia R. [D-TX-29]
TX • D
Sponsored 9/14/2026

Roll Call Votes

No roll call votes available for this bill.

View on Congress.gov

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Back to Legislation

HELP Copays Act

Summary

How does this bill affect your finances?

Bill Overview

Analyzed Economic Effects

Medium Impact

Charity and drug payments count toward deductibles

Low Impact

Keep HSA eligibility when assistance counts

Sponsors & CoSponsors

Sponsor

Cosponsors

Roll Call Votes

Related Bills

Live Policy Activity

Not In My Barn Yard Act

Other Activity On This Topic

DOL Rewrites Disability Rules for 'Merit-Based Opportunity' Push

How These Connect

Deep Dive

Federal Communications Commission — Communications Regulation

FCC & Telecommunications Regulation

Related Bills

Live Policy Activity

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DOL Rewrites Disability Rules for 'Merit-Based Opportunity' Push

How These Connect

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