HELP Copays Act

The HELP Copays Act (S 1375) changes how health insurance plans calculate patient cost-sharing. It requires that discounts, financial assistance, or third-party payments (like drug manufacturer coupons) count toward a patient’s deductible, copayment, or out-of-pocket limit. This directly affects individuals enrolled in group or individual health insurance plans who receive such assistance. The bill amends the Public Health Service Act and Affordable Care Act to ensure these payments reduce the actual out-of-pocket costs patients face, rather than being treated as separate expenses.