Congress·In Committee·S. 864

HELP Copays Act

Bipartisan Senate Bill Would Require Insurers to Count Drug Coupons Toward Patient Deductibles

about 1 year ago·View on Congress.gov·Read full text

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Stalled

No legislative action in over 90 days.

Legislative Progress

Senate

House

President

Law

Key Points

This bill requires health insurance companies to count any financial help a patient receives toward their yearly deductible and out-of-pocket maximum. This includes coupons from drug makers or grants from non-profit charities.
The policy is designed to help people with chronic or rare diseases who rely on expensive 'specialty' drugs. Currently, many insurance plans take the coupon money but don't credit it to the patient's deductible, leaving the patient with a surprise bill later in the year.
If passed, these rules would apply to most private health insurance plans and high-deductible plans starting on January 1, 2026. It ensures that if money is paid for a drug on a patient's behalf, it counts as if the patient paid it themselves.
The bill specifically covers specialty drugs and medications that require special permission from an insurer. However, it does not stop insurance companies from using other tools like 'step therapy,' where a patient must try a cheaper drug before a more expensive one is covered.

Healthcare

Impact Analysis

Personal Impact

Who is affectedScoreImpactCertaintyScopeDurationSentiment

Scores: 1 = low, 5 = highSentiment: -5 to +5 (net benefit)

Milestones

2 milestones3 actions

Mar 19, 2026Senate

Committee on Health, Education, Labor, and Pensions. Hearings held.

Mar 5, 2025Senate

Read twice and referred to the Committee on Health, Education, Labor, and Pensions.

Mar 5, 2025

Introduced in Senate

What Happens Next

Projected impacts based on AI analysis

2026-01-01

New rules take effect for health insurance plan years beginning on or after January 1, 2026

If passed, insurers must start counting drug coupons and nonprofit financial assistance toward patients' deductibles and out-of-pocket maximums for plans starting in 2026. Patients using specialty drugs would see immediate relief on their annual costs.

Related News

5 articles

Targeted News Service·3 months ago

Rep. Kean Introduces Help Ensure Lower Patient Copays Act

Rep. Thomas H. Kean, Jr. (R-NJ) introduced the HELP Copays Act (H.R. 6423) to ensure that financial assistance, including manufacturer coupons and nonprofit grants, counts toward patient deductibles and out-of-pocket maximums, aiming to lower costs for those with chronic conditions.

Law360·5 months ago

Copay Accumulator and Maximizer Programs Analyzed by Analysis Group Authors in Law360

Legal analysis in Law360 explores the regulatory scrutiny of copay adjustment programs, highlighting the HELP Copays Act as a primary legislative effort to mandate that third-party assistance applies to patient deductibles, potentially reshaping pharmaceutical payment litigation.

KFF·over 1 year ago

Copay Adjustment Programs: What Are They and What Do They Mean for Consumers?

KFF details the mechanics of copay accumulators and maximizers, noting that the bipartisan HELP Copays Act would require health plans to count all forms of copay assistance toward enrollees' out-of-pocket limits, addressing a loophole that currently leaves patients with high surprise bills.

Related Bills

1 bill

H.R. 6423Identical bill

HELP Copays Act

Dec 4 — Referred to the Committee on Energy and Commerce, and in addition to the Committee on Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.