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The HELP Copays Act amends federal health insurance regulations to allow financial assistance from non-profit organizations and prescription drug manufacturers to count toward patients' deductibles, coinsurance, copayments, and out-of-pocket limits. The bill applies these changes to group health plans, individual health insurance coverage, and high-deductible health plans, effective for plan years beginning January 1, 2026. The bill preserves insurers' ability to use utilization management tools such as prior authorization and step therapy.
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