The HELP Copays Act amends the Public Health Service Act to count financial assistance towards cost-sharing requirements for health insurance plans.
The HELP Copays Act amends the Public Health Service Act to ensure that financial assistance provided by non-profit organizations and prescription drug manufacturers is counted towards cost-sharing requirements such as deductibles, coinsurance, copayments, and out-of-pocket limits. This applies to both group health plans and individual health insurance coverage, including for specialty drugs and those subject to utilization management. The changes take effect for plan years beginning on or after January 1, 2026.
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