I 
118TH CONGRESS 
1ST SESSION 
H. R. 830 
To amend title XXVII of the Public Health Service Act to apply additional 
payments, discounts, and other financial assistance towards the cost- 
sharing requirements of health insurance plans, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
FEBRUARY 6, 2023 
Mr. CARTER of Georgia (for himself, Ms. BARRAGA´N, Mrs. MILLER-MEEKS, 
Ms. DEGETTE, Mr. FITZPATRICK, Mrs. WATSON COLEMAN, and Ms. 
CLARKE of New York) introduced the following bill; which was referred 
to the Committee on Energy and Commerce 
A BILL 
To amend title XXVII of the Public Health Service Act 
to apply additional payments, discounts, and other finan-
cial assistance towards the cost-sharing requirements of 
health insurance plans, and for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Help Ensure Lower 
Patient Copays Act’’ or the ‘‘HELP Copays Act’’. 
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SEC. 2. APPLICATION OF ADDITIONAL PAYMENTS, DIS-
COUNTS, AND OTHER FINANCIAL ASSIST-
ANCE 
TOWARD 
COST-SHARING 
REQUIRE-
MENTS. 
(a) APPLICATION TOWARD COST-SHARING REQUIRE-
MENTS.—Section 2715(g)(1) of the Public Health Service 
Act (42 U.S.C. 300gg–15(g)(1)) is amended by adding at 
the end the following: ‘‘In developing the standards for 
defining the terms ‘deductible’, ‘co-insurance’, ‘co-pay-
ment’, 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 insur-
ance coverage, including third-party payments, financial 
assistance, discounts, product vouchers, and other reduc-
tions in out-of-pocket expenses and that such amounts 
shall be counted toward such deductible, co-insurance, co- 
payment, or limit, respectively.’’. 
(b) CONFORMING AMENDMENTS.— 
(1) PPACA.—Section 1302(c)(3) of the Patient 
Protection and Affordable Care Act (42 U.S.C. 
18022(c)(3)) is amended by adding at the end the 
following new subparagraph: 
‘‘(C) APPLICATION OF TERMS.—For pur-
poses of subparagraph (A), the terms ‘deduct-
ible’, ‘coinsurance’, ‘copayment’, or ‘similar 
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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 in-
dividual health insurance coverage, including 
third-party payments, financial assistance, dis-
counts, product vouchers, and other reductions 
in out-of-pocket expenses and such amounts 
shall be counted toward such deductible, coin-
surance, copayment, charge, or other expendi-
ture, respectively.’’. 
(2) PHSA.—Section 2707(b) of the Public 
Health Service Act (42 U.S.C. 300gg–6(b)) is 
amended by adding at the end the following new 
sentence: ‘‘For purposes of the previous sentence, 
such limitation shall be applied 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 a category of essential health 
benefits as described in (b)(1) of such section’.’’. 
Æ 
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