HELP Copays Act

The HELP Copays Act would amend federal health insurance rules to allow financial assistance from non-profit organizations and prescription drug manufacturers to count toward a patient’s deductible, coinsurance, copayment, or out-of-pocket limit for prescription drugs, including specialty drugs and those subject to utilization management. It would also ensure that such assistance does not disqualify high-deductible health plans from meeting minimum deductible requirements under IRS rules, effective for plan years beginning January 1, 2026. The bill applies to group and individual health insurance plans and does not restrict the use of utilization management tools like prior authorization or…

No official summary is available here. This one was written by AI from the bill’s text.