Help Ensure Lower Patient Copays Act applies financial assistance towards health insurance cost-sharing requirements.

The Help Ensure Lower Patient Copays Act amends the Public Health Service Act to include financial assistance from non-profit organizations and prescription drug manufacturers towards cost-sharing requirements such as deductibles, coinsurance, and copayments. This applies to group health plans and health insurance issuers for plan years beginning on or after January 1, 2026. The bill also amends the Internal Revenue Code to ensure that certain amounts applied to deductibles are not considered in determining whether a plan is a high deductible health plan.

Help Ensure Lower Patient Copays Act applies financial assistance towards health insurance cost-sharing requirements.

The Help Ensure Lower Patient Copays Act amends the Public Health Service Act to include financial assistance from non-profit organizations and prescription drug manufacturers towards cost-sharing requirements such as deductibles, coinsurance, and copayments. This applies to group health plans and health insurance issuers for plan years beginning on or after January 1, 2026. The bill also amends the Internal Revenue Code to ensure that certain amounts applied to deductibles are not considered in determining whether a plan is a high deductible health plan.