Kean, Colleagues Introduce Bill to Protect Patients from High Prescription Drug Costs

(December 4, 2025) WASHINGTON, DC - Today, Representatives Tom Kean, Jr. (R-NJ), Nanette Barragán (D-CA), Mariannette Miller-Meeks (R-IA), Jake Auchincloss (D-MA), Brian Fitzpatrick (R-PA), and Bonnie Watson Coleman (D-NJ) reintroduced the Help Ensure Lower Patient (HELP) Copays Act to make life-saving prescription medications more affordable for patients with rare, serious, and chronic conditions.

This bipartisan legislation would require insurance companies and Pharmacy Benefit Managers (PBMs) to count the value of copay assistance they receive on a patient's behalf toward cost-sharing requirements. This change ensures that payments, whether they come directly out of a patient's pocket or with help from non-profit organizations and prescription drug manufacturers, contribute toward a patient's annual deductible and out-of-pocket limit.

Congressman Tom Kean, Jr. said, "Copay assistance programs help make costly medications attainable for Americans who rely on them. Yet under current law, insurers and PBMs can pocket this assistance without lowering patients' cost-sharing obligations. Our bipartisan legislation will fix that problem by ensuring those savings are passed on to patients. This solution will protect access to essential prescription drugs, reduce overall healthcare costs for families, and hold these health companies accountable."

Rep. Barragán said, "For patients living with complex and chronic diseases, access to prescription drugs that help them manage their condition saves lives, plain and simple. But too many Americans are unable to afford the medications they need because the out-of-pocket costs are too high. This is unacceptable. Americans work hard every day to make sure they can feed their families and take care of their loved ones. They should not be priced out of receiving the life-saving medications they rely on. That is why I am proud to co-lead, the HELP Copays Act, with Congressman Kean. This bipartisan bill will help working American families afford their prescriptions by putting a stop to harmful practices by insurance companies and Pharmacy Benefit Managers, and ensuring that patients' copay assistance counts towards their cost-sharing requirements. Because drug affordability is not a blue-state issue or a red-state issue - it is an issue that affects tens of millions across the country and in every state."

Congresswoman Miller-Meeks said, "Too many patients are forced to walk away from the pharmacy counter because their out-of-pocket costs are simply too high. The HELP Copays Act is a commonsense, bipartisan solution that ensures financial assistance, from nonprofits or drug manufacturers, actually counts toward a patient's deductible and copay. As a physician, I know how devastating it is when a patient can't afford the medication they need. This bill puts patients first by lowering their real, day-to-day costs and stopping insurance companies from shifting more of the burden onto families."

Congressman Auchincloss said, "Drug pricing middlemen want patients to pay deductibles twice. That's not how insurance should work. With this bill, those schemes stop."

Congressman Fitzpatrick said, "For people living with chronic and rare diseases, copay assistance is often the only path to staying on lifesaving treatment. Yet far too many are paying twice, while insurers and PBMs pocket that assistance without ever counting it toward a patient's costs. That's wrong-and it's exactly what the bipartisan HELP Copays Act corrects. This is common-sense, patient-first reform to lower out-of-pocket costs and ensure every dollar intended to help a patient actually does."

Specifically, the HELP Copays Act would:

• Clarify the Affordable Care Act (ACA) to require that health plans count payments made "by or on behalf of" patients, including financial assistance offered by non-profit organizations and prescription drug manufacturers, toward cost-sharing requirements.
• Close the ACA's Essential Health Benefit (EHB) loophole to ensure that any covered prescription drug is defined as "essential" so that all related cost-sharing counts towards a patient's cost-sharing limits.

The full text of the House bill is available HERE. An identical companion Senate bill (S.864) was introduced by Senators Roger Marshall (R-KS) and Tom Kaine (D-VA) in March 2025.

The legislation is endorsed by the All Copays Count Coalition, a group of nearly 90 national patient and provider advocacy organizations.

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