HELP Copays Act

HR 6423, the HELP Copays Act, requires health insurance plans and coverage to count financial assistance from non-profits or drug manufacturers toward patient cost-sharing limits like deductibles and copayments. This directly affects patients enrolled in health insurance who receive such assistance for prescription drugs, ensuring the help they get reduces their out-of-pocket costs faster. The bill amends key health laws to mandate that these payments are included when calculating whether a patient has met their deductible or copayment threshold. The change applies to all prescription drugs, including specialty drugs and those subject to prior authorization, but does not alter how insurers manage drug access through tools like step therapy. It takes effect for plan years starting in 2026.