United States 119th Congress Status: In Committee Bipartisan · 46 D · 13 R cosponsors

HR 6423 — HELP Copays Act

Last action — Referred to the Committee on Energy and Commerce, and in addition to the Committee on Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.

  1. ✓
    Introduced
  2. 2
    In Committee
  3. 3
    Passed House
  4. 4
    Passed Senate
  5. 5
    To Executive
  6. 6
    Enacted

This bill is in committee in the House. Introduced December 04, 2025. It must pass committee before a floor vote.

Next likely step: a committee vote, then a floor vote in the House.

Odds of enactment

Low chance

Based on the sponsor, cosponsors, and committee posture, this bill has a low chance of becoming law.

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A statistical estimate from our own model of past outcomes — an insight, not a guarantee. Policymaking is volatile.

Prognosis

Advancing 42% · moderate confidence

  • In Committee

    Current position in the legislative process.

  • 59 sponsors

    1 primary, 58 co-sponsors signed on.

  • Bipartisan support

    Sponsored across 2 parties (46 D · 13 R) — cross-party backing.

Based on stage, sponsorship breadth, committee status, recorded votes, and cross-state momentum — a description of the observable signals, not a prediction.

Bill Text

How this bill changes current law

4 changes Share ↗

Compared against current U.S. Code AI-generated reading aid — verify against the official bill.

The bill amends existing law to specify that financial assistance counts toward the cost-sharing requirements of health insurance plans.

  • 42 U.S.C. 300gg-15(g)(1)

    In developing the standards for defining the terms `deductible', `coinsurance', `copayment', and `out-of-pocket limit' (as described in paragraph (2)), such standards shall provide that such terms include amounts paid by, or on behalf of, an individual enrolled in a group health plan or group or individual health insurance coverage, including financial assistance offered by non-profit organizations and prescription drug manufacturers, and that such amounts shall be counted toward such deductible, coinsurance, copayment, or limit, respectively.

    This addition clarifies that financial assistance payments contribute to meeting deductible and out-of-pocket costs.

  • 42 U.S.C. 18022(c)(3)

    For purposes of subparagraph (A), the terms `deductible', `coinsurance', `copayment', or `similar charge' and any other expenditure described in clause (ii) of such subparagraph shall include amounts paid by, or on behalf of, an individual enrolled in a group health plan or group or individual health insurance coverage, including financial assistance offered by non-profit organizations and prescription drug manufacturers, and such amounts shall be counted toward such deductible, co-insurance, co-payment, charge, or other expenditure, respectively.

    This addition ensures that financial assistance is recognized in calculating individual cost-sharing expenses.

  • 42 U.S.C. 300gg-6(b)

    For purposes of the previous sentence, such limitation shall be applied to prescription drugs as if the reference to `essential health benefits' in section 1302(c)(3) of the Patient Protection and Affordable Care Act were a reference to `any item or service covered under the plan included within the prescription drug category of essential health benefits as described in (b)(1)(F) of such section'.

    This modification aligns prescription drug cost-sharing limitations with general essential health benefits provisions.

  • 26 U.S.C. 223(c)(2)

    In the case of plan years beginning after December 31, 2025, a plan shall not fail to be treated as a high deductible health plan by reason of counting amounts paid by, or on behalf of, an individual, including financial assistance offered by non-profit organizations and prescription drug manufacturers for outpatient prescription drugs, when determining whether the minimum deductible under subparagraph (A) has been satisfied.

    This addition allows for financial assistance for outpatient prescription drugs to count towards high deductible health plan requirements.

Action History

  1. Introduced in House

  2. Introduced in House

  3. Referred to the Committee on Energy and Commerce, and in addition to the Committee on Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.

  4. Referred to the Committee on Energy and Commerce, and in addition to the Committee on Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.

Sponsors

Sponsorship breakdown

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1 sponsors · 58 co-sponsors · 488 not signed on

Sponsors (1)

Co-sponsors (58)

Not signed on (488)

488 members have not signed on to this bill.

Show all 488 →

"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Subjects

healthcare labor education health-insurance
Cross-referencing the record. Reading this bill against every other bill in the corpus by meaning, not keywords. Only the first open is slow. It’s instant for you after this. Matching · Ranking · Engrossing

Frequently asked questions

Who sponsors HR 6423?
HR 6423 is sponsored by Kean, Thomas H. (Republican), Barragán, Nanette Diaz (Democratic), Miller-Meeks, Mariannette (Republican), Auchincloss, Jake (Democratic), Fitzpatrick, Brian K. (Republican), Watson Coleman, Bonnie (Democratic), Matsui, Doris O. (Democratic), Simon, Lateefah (Democratic), Ross, Deborah K. (Democratic), Davids, Sharice (Democratic), Ciscomani, Juan (Republican), Bonamici, Suzanne (Democratic), Levin, Mike (Democratic), Pfluger, August (Republican), Quigley, Mike (Democratic), Lieu, Ted (Democratic), Panetta, Jimmy (Democratic), Gottheimer, Josh (Democratic), Wilson, Joe (Republican), Salazar, Maria Elvira (Republican), Stevens, Haley M. (Democratic), Case, Ed (Democratic), Subramanyam, Suhas (Democratic), Meuser, Daniel (Republican), Suozzi, Thomas R. (Democratic), Goldman, Daniel S. (Democratic), Pocan, Mark (Democratic), LaLota, Nick (Republican), Cohen, Steve (Democratic), Tokuda, Jill N. (Democratic), Pappas, Chris (Democratic), Moulton, Seth (Democratic), Balint, Becca (Democratic), Adams, Alma S. (Democratic), DelBene, Suzan K. (Democratic), Houlahan, Chrissy (Democratic), Bynum, Janelle S. (Democratic), Lee, Summer L. (Democratic), Kiggans, Jennifer A. (Republican), Norton, Eleanor Holmes (Democratic), Riley, Josh (Democratic), Crow, Jason (Democratic), Kennedy, Timothy M. (Democratic), Torres, Ritchie (Democratic), Conaway, Herbert C. (Democratic), Hayes, Jahana (Democratic), Foster, Bill (Democratic), Barrett, Tom (Republican), Rutherford, John H. (Republican), Lynch, Stephen F. (Democratic), Pingree, Chellie (Democratic), Garamendi, John (Democratic), Fine, Randy (Republican), Thanedar, Shri (Democratic), McCollum, Betty (Democratic), Foushee, Valerie P. (Democratic), Dean, Madeleine (Democratic), Sorensen, Eric (Democratic), and Schrier, Kim (Democratic).
What is the current status of HR 6423?
This bill is in committee in the House. Introduced December 04, 2025. It must pass committee before a floor vote.
Where can I track HR 6423?
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