# 119-hr-6423: HELP Copays Act

119-hr-6423, HELP Copays Act, is a 119th Congress bill sponsored by Rep. Kean, Thomas H. [R-NJ-7] (R-NJ); status introduced; PRIA reads it as touching household money (as of 2026-10-24).

- Canonical: https://policyrisk.com/legislation/119-hr-6423
- As of: 2026-10-24
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-6423
- Congress: 119
- Title: HELP Copays Act
- Status: introduced
- Introduced: 2025-12-04
- Sponsor: Rep. Kean, Thomas H. [R-NJ-7] (R-NJ)
- Cosponsors: 68
- Policy area: Health
- Touches household money: yes
- Last recorded action: 2026-10-24

## 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.

## Cosponsors (68)

- Rep. Keating, William R. [D-MA-9] (D-MA), 2026-09-28T00:00:00.000Z
- Rep. Castro, Joaquin [D-TX-20] (D-TX), 2026-09-28T00:00:00.000Z
- Rep. Deluzio, Christopher R. [D-PA-17] (D-PA), 2026-10-22T00:00:00.000Z
- Rep. Barragán, Nanette Diaz [D-CA-44] (D-CA), 2025-12-04T00:00:00.000Z
- Rep. Miller-Meeks, Mariannette [R-IA-1] (R-IA), 2025-12-04T00:00:00.000Z
- Rep. Auchincloss, Jake [D-MA-4] (D-MA), 2025-12-04T00:00:00.000Z
- Rep. Fitzpatrick, Brian K. [R-PA-1] (R-PA), 2025-12-04T00:00:00.000Z
- Rep. Watson Coleman, Bonnie [D-NJ-12] (D-NJ), 2025-12-04T00:00:00.000Z
- Rep. Matsui, Doris O. [D-CA-7] (D-CA), 2025-12-09T00:00:00.000Z
- Rep. Simon, Lateefah [D-CA-12] (D-CA), 2025-12-09T00:00:00.000Z
- Rep. Ross, Deborah K. [D-NC-2] (D-NC), 2025-12-10T00:00:00.000Z
- Rep. Davids, Sharice [D-KS-3] (D-KS), 2025-12-10T00:00:00.000Z
- Rep. Ciscomani, Juan [R-AZ-6] (R-AZ), 2025-12-17T00:00:00.000Z
- Rep. Bonamici, Suzanne [D-OR-1] (D-OR), 2025-12-17T00:00:00.000Z
- Rep. Levin, Mike [D-CA-49] (D-CA), 2025-12-17T00:00:00.000Z
- Rep. Pfluger, August [R-TX-11] (R-TX), 2025-12-18T00:00:00.000Z
- Rep. Quigley, Mike [D-IL-5] (D-IL), 2025-12-19T00:00:00.000Z
- Rep. Lieu, Ted [D-CA-36] (D-CA), 2025-12-19T00:00:00.000Z
- Rep. Panetta, Jimmy [D-CA-19] (D-CA), 2026-01-07T00:00:00.000Z
- Rep. Gottheimer, Josh [D-NJ-5] (D-NJ), 2026-01-07T00:00:00.000Z
- Rep. Wilson, Joe [R-SC-2] (R-SC), 2026-01-07T00:00:00.000Z
- Rep. Salazar, Maria Elvira [R-FL-27] (R-FL), 2026-01-07T00:00:00.000Z
- Rep. Stevens, Haley M. [D-MI-11] (D-MI), 2026-01-07T00:00:00.000Z
- Rep. Case, Ed [D-HI-1] (D-HI), 2026-01-12T00:00:00.000Z
- Rep. Subramanyam, Suhas [D-VA-10] (D-VA), 2026-01-15T00:00:00.000Z
- Rep. Meuser, Daniel [R-PA-9] (R-PA), 2026-01-30T00:00:00.000Z
- Rep. Suozzi, Thomas R. [D-NY-3] (D-NY), 2026-01-30T00:00:00.000Z
- Rep. Goldman, Daniel S. [D-NY-10] (D-NY), 2026-02-02T00:00:00.000Z
- Rep. Pocan, Mark [D-WI-2] (D-WI), 2026-02-10T00:00:00.000Z
- Rep. LaLota, Nick [R-NY-1] (R-NY), 2026-02-24T00:00:00.000Z
- Rep. Cohen, Steve [D-TN-9] (D-TN), 2026-03-04T00:00:00.000Z
- Rep. Tokuda, Jill N. [D-HI-2] (D-HI), 2026-03-19T00:00:00.000Z
- Rep. Pappas, Chris [D-NH-1] (D-NH), 2026-03-19T00:00:00.000Z
- Rep. Moulton, Seth [D-MA-6] (D-MA), 2026-03-20T00:00:00.000Z
- Rep. Balint, Becca [D-VT-At Large] (D-VT), 2026-03-24T00:00:00.000Z
- Rep. Adams, Alma S. [D-NC-12] (D-NC), 2026-03-24T00:00:00.000Z
- Rep. DelBene, Suzan K. [D-WA-1] (D-WA), 2026-03-24T00:00:00.000Z
- Rep. Houlahan, Chrissy [D-PA-6] (D-PA), 2026-03-24T00:00:00.000Z
- Rep. Bynum, Janelle S. [D-OR-5] (D-OR), 2026-03-25T00:00:00.000Z
- Rep. Lee, Summer L. [D-PA-12] (D-PA), 2026-03-26T00:00:00.000Z
- Rep. Kiggans, Jennifer A. [R-VA-2] (R-VA), 2026-03-27T00:00:00.000Z
- Del. Norton, Eleanor Holmes [D-DC-At Large] (D-DC), 2026-04-06T00:00:00.000Z
- Rep. Riley, Josh [D-NY-19] (D-NY), 2026-04-06T00:00:00.000Z
- Rep. Crow, Jason [D-CO-6] (D-CO), 2026-04-09T00:00:00.000Z
- Rep. Conaway, Herbert C. [D-NJ-3] (D-NJ), 2026-04-21T00:00:00.000Z
- Rep. Kennedy, Timothy M. [D-NY-26] (D-NY), 2026-04-13T00:00:00.000Z
- Rep. Torres, Ritchie [D-NY-15] (D-NY), 2026-04-15T00:00:00.000Z
- Rep. Hayes, Jahana [D-CT-5] (D-CT), 2026-04-27T00:00:00.000Z
- Rep. Foster, Bill [D-IL-11] (D-IL), 2026-05-11T00:00:00.000Z
- Rep. Barrett, Tom [R-MI-7] (R-MI), 2026-05-11T00:00:00.000Z
- Rep. Rutherford, John H. [R-FL-5] (R-FL), 2026-05-11T00:00:00.000Z
- Rep. Lynch, Stephen F. [D-MA-8] (D-MA), 2026-05-19T00:00:00.000Z
- Rep. Pingree, Chellie [D-ME-1] (D-ME), 2026-05-21T00:00:00.000Z
- Rep. Garamendi, John [D-CA-8] (D-CA), 2026-05-21T00:00:00.000Z
- Rep. Fine, Randy [R-FL-6] (R-FL), 2026-05-29T00:00:00.000Z
- Rep. Thanedar, Shri [D-MI-13] (D-MI), 2026-06-02T00:00:00.000Z
- Rep. McCollum, Betty [D-MN-4] (D-MN), 2026-06-03T00:00:00.000Z
- Rep. Foushee, Valerie P. [D-NC-4] (D-NC), 2026-06-23T00:00:00.000Z
- Rep. Dean, Madeleine [D-PA-4] (D-PA), 2026-06-24T00:00:00.000Z
- Rep. Sorensen, Eric [D-IL-17] (D-IL), 2026-06-29T00:00:00.000Z
- Rep. Schrier, Kim [D-WA-8] (D-WA), 2026-06-30T00:00:00.000Z
- Rep. DeSaulnier, Mark [D-CA-10] (D-CA), 2026-07-13T00:00:00.000Z
- Rep. Vasquez, Gabe [D-NM-2] (D-NM), 2026-07-20T00:00:00.000Z
- Rep. García, Jesús G. "Chuy" [D-IL-4] (D-IL), 2026-07-22T00:00:00.000Z
- Rep. Mills, Cory [R-FL-7] (R-FL), 2026-08-03T00:00:00.000Z
- Rep. Morrison, Kelly [D-MN-3] (D-MN), 2026-09-08T00:00:00.000Z
- Rep. Soto, Darren [D-FL-9] (D-FL), 2026-09-08T00:00:00.000Z
- Rep. Garcia, Sylvia R. [D-TX-29] (D-TX), 2026-09-14T00:00:00.000Z

## Provisions PRIA read

- Charity and drug payments count toward deductibles: benefit, medium. 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 ma…
- Keep HSA eligibility when assistance counts: benefit, low. 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 manufacture…

## Related bills

- 119-hr-2102: Major Richard Star Act
- 119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage Act
- 119-hr-3514: Improving Seniors’ Timely Access to Care Act of 2025
- 119-hr-1262: Mikaela Naylon Give Kids a Chance Act
- 119-hr-1993: 25th Anniversary of 9/11 Commemorative Coin Act
- 119-hr-2048: Metastatic Breast Cancer Access to Care Act

## Sources
- [119-hr-6423 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/6423)

## Related
- [119-hr-2102: Major Richard Star Act](https://policyrisk.com/legislation/119-hr-2102)
- [119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage A…](https://policyrisk.com/legislation/119-hr-842)
- [119-hr-3514: Improving Seniors’ Timely Access to Care Act of 2025](https://policyrisk.com/legislation/119-hr-3514)
- [119-hr-1262: Mikaela Naylon Give Kids a Chance Act](https://policyrisk.com/legislation/119-hr-1262)
- [119-hr-1993: 25th Anniversary of 9/11 Commemorative Coin Act](https://policyrisk.com/legislation/119-hr-1993)
- [119-hr-2048: Metastatic Breast Cancer Access to Care Act](https://policyrisk.com/legislation/119-hr-2048)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-6423 (as of 2026-10-24).