# 119-s-864: HELP Copays Act

119-s-864, HELP Copays Act, is a 119th Congress bill sponsored by Sen. Marshall, Roger [R-KS] (R-KS); status in_committee; PRIA reads it as touching household money (as of 2026-09-25).

- Canonical: https://policyrisk.com/legislation/119-s-864
- As of: 2026-09-25
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-864
- Congress: 119
- Title: HELP Copays Act
- Status: in_committee
- Introduced: 2025-03-05
- Sponsor: Sen. Marshall, Roger [R-KS] (R-KS)
- Cosponsors: 28
- Policy area: Health
- Touches household money: yes
- Last recorded action: 2026-09-25

## Summary

**Counts patient assistance from nonprofits and drug makers toward a person's deductible, coinsurance, copay, and out-of-pocket maximum.** It would force group and individual health plans to treat payments made on behalf of enrollees as reducing their cost-sharing obligations.

## Cosponsors (28)

- Sen. Kaine, Tim [D-VA] (D-VA), 2025-03-05T00:00:00.000Z
- Sen. Tillis, Thomas [R-NC] (R-NC), 2025-03-05T00:00:00.000Z
- Sen. Markey, Edward J. [D-MA] (D-MA), 2025-03-05T00:00:00.000Z
- Sen. Murkowski, Lisa [R-AK] (R-AK), 2025-03-05T00:00:00.000Z
- Sen. Merkley, Jeff [D-OR] (D-OR), 2025-03-05T00:00:00.000Z
- Sen. Capito, Shelley Moore [R-WV] (R-WV), 2025-03-13T00:00:00.000Z
- Sen. Coons, Christopher A. [D-DE] (D-DE), 2025-03-13T00:00:00.000Z
- Sen. Budd, Ted [R-NC] (R-NC), 2025-03-13T00:00:00.000Z
- Sen. Murray, Patty [D-WA] (D-WA), 2025-03-13T00:00:00.000Z
- Sen. Boozman, John [R-AR] (R-AR), 2025-03-31T00:00:00.000Z
- Sen. Shaheen, Jeanne [D-NH] (D-NH), 2025-03-31T00:00:00.000Z
- Sen. Padilla, Alex [D-CA] (D-CA), 2025-11-07T00:00:00.000Z
- Sen. Gallego, Ruben [D-AZ] (D-AZ), 2025-12-15T00:00:00.000Z
- Sen. Peters, Gary C. [D-MI] (D-MI), 2025-12-15T00:00:00.000Z
- Sen. Kelly, Mark [D-AZ] (D-AZ), 2025-12-15T00:00:00.000Z
- Sen. Blumenthal, Richard [D-CT] (D-CT), 2026-01-28T00:00:00.000Z
- Sen. Rounds, Mike [R-SD] (R-SD), 2026-03-05T00:00:00.000Z
- Sen. Schiff, Adam B. [D-CA] (D-CA), 2026-03-05T00:00:00.000Z
- Sen. Booker, Cory A. [D-NJ] (D-NJ), 2026-03-10T00:00:00.000Z
- Sen. Whitehouse, Sheldon [D-RI] (D-RI), 2026-03-24T00:00:00.000Z
- Sen. Bennet, Michael F. [D-CO] (D-CO), 2026-03-26T00:00:00.000Z
- Sen. Heinrich, Martin [D-NM] (D-NM), 2026-04-13T00:00:00.000Z
- Sen. Husted, Jon [R-OH] (R-OH), 2026-04-30T00:00:00.000Z
- Sen. Gillibrand, Kirsten E. [D-NY] (D-NY), 2026-05-11T00:00:00.000Z
- Sen. Smith, Tina [D-MN] (D-MN), 2026-05-12T00:00:00.000Z
- Sen. Warnock, Raphael G. [D-GA] (D-GA), 2026-06-23T00:00:00.000Z
- Sen. Fetterman, John [D-PA] (D-PA), 2026-07-15T00:00:00.000Z
- Sen. Warren, Elizabeth [D-MA] (D-MA), 2026-09-22T00:00:00.000Z

## Provisions PRIA read

- Charity and drug payments count toward costs: benefit, medium. If enacted, the bill would require group and individual health plans to count money paid by charities or drug makers toward your deductible, coinsurance, copay, and out‑of‑pocket limit. This would explicitly include nonprofit financial help and manufacturer assistance for prescription drugs, includ…
- Keep Health Savings Account eligibility: benefit, low. If enacted, the bill would add a safe harbor so a plan will not lose high‑deductible health plan status just because third‑party payments are counted toward the deductible. That would help people keep Health Savings Account (HSA) eligibility when charities or drug makers help pay outpatient prescri…

## Related bills

- 119-sres-913: A resolution relating to the death of the Honorable Nancy Kassebaum, former United States Senator for the State of Kansas.
- 119-sres-897: A resolution honoring the life, service, and legacy of the Honorable Jon Llewellyn Kyl, former Senator for the State of Arizona.
- 119-sres-801: A resolution honoring the life and legacy of the Honorable Lindsey Olin Graham, a Senator from the State of South Carolina.
- 119-sres-755: A resolution honoring the life of the Honorable Donald W. Riegle, Jr., former Senator for the State of Michigan.
- 119-sres-739: A resolution honoring the life and legacy of John Seymour, the late Senator for the State of California.
- 119-sres-723: A resolution honoring the life of Dirk Arthur Kempthorne, former United States Senator for the State of Idaho.

## Sources
- [119-s-864 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/864)

## Related
- [119-sres-913: A resolution relating to the death of the Honorable Nancy Kassebaum, former Uni…](https://policyrisk.com/legislation/119-sres-913)
- [119-sres-897: A resolution honoring the life, service, and legacy of the Honorable Jon Llewel…](https://policyrisk.com/legislation/119-sres-897)
- [119-sres-801: A resolution honoring the life and legacy of the Honorable Lindsey Olin Graham,…](https://policyrisk.com/legislation/119-sres-801)
- [119-sres-755: A resolution honoring the life of the Honorable Donald W. Riegle, Jr., former S…](https://policyrisk.com/legislation/119-sres-755)
- [119-sres-739: A resolution honoring the life and legacy of John Seymour, the late Senator for…](https://policyrisk.com/legislation/119-sres-739)
- [119-sres-723: A resolution honoring the life of Dirk Arthur Kempthorne, former United States…](https://policyrisk.com/legislation/119-sres-723)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-864 (as of 2026-09-25).