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HELP Copays Act
4/14/2026, 11:03 AM
Summary of Bill S 864
Bill 119 s 864, also known as the "Health Insurance Cost-Sharing Assistance Act," aims to make changes to title XXVII of the Public Health Service Act in order to provide financial assistance for the cost-sharing requirements of health insurance plans. The bill seeks to help individuals who may struggle to afford the out-of-pocket costs associated with their health insurance plans.
Specifically, the bill proposes to offer financial assistance to individuals who qualify based on their income level. This assistance would help cover expenses such as deductibles, copayments, and coinsurance, making it easier for individuals to access necessary healthcare services without facing financial hardship.
In addition to providing financial assistance for cost-sharing requirements, the bill also includes provisions for other purposes related to improving access to healthcare and reducing financial barriers for individuals seeking medical treatment. Overall, Bill 119 s 864 aims to address the financial challenges that many individuals face when it comes to affording the out-of-pocket costs associated with their health insurance plans. By providing financial assistance for cost-sharing requirements, the bill seeks to make healthcare more accessible and affordable for all individuals, regardless of their income level.
Specifically, the bill proposes to offer financial assistance to individuals who qualify based on their income level. This assistance would help cover expenses such as deductibles, copayments, and coinsurance, making it easier for individuals to access necessary healthcare services without facing financial hardship.
In addition to providing financial assistance for cost-sharing requirements, the bill also includes provisions for other purposes related to improving access to healthcare and reducing financial barriers for individuals seeking medical treatment. Overall, Bill 119 s 864 aims to address the financial challenges that many individuals face when it comes to affording the out-of-pocket costs associated with their health insurance plans. By providing financial assistance for cost-sharing requirements, the bill seeks to make healthcare more accessible and affordable for all individuals, regardless of their income level.
Read the Full Bill
Current Status of Bill S 864
Bill S 864 is currently in the status of Bill Introduced since March 5, 2025. Bill S 864 was introduced during Congress 119 and was introduced to the Senate on March 5, 2025. Bill S 864's most recent activity was Committee on Health, Education, Labor, and Pensions. Hearings held. as of March 19, 2026
Bipartisan Support of Bill S 864
Total Number of Sponsors
1Democrat Sponsors
0Republican Sponsors
1Unaffiliated Sponsors
0Total Number of Cosponsors
107Democrat Cosponsors
72Republican Cosponsors
35Unaffiliated Cosponsors
0Policy Area and Potential Impact of Bill S 864
Primary Policy Focus
HealthPotential Impact Areas
- Health care costs and insurance
Alternate Title(s) of Bill S 864
A bill to amend title XXVII of the Public Health Service Act to apply financial assistance towards the cost-sharing requirements of health insurance plans, and for other purposes.
A bill to amend title XXVII of the Public Health Service Act to apply financial assistance towards the cost-sharing requirements of health insurance plans, and for other purposes.
Comments

Flora Walsh
1,225
1 year ago
I think this bill is great cuz it helps with copays for healthcare. It will make it easier for me to afford my medical expenses. But how will this bill impact healthcare costs overall in the US?
Sponsors and Cosponsors of S 864
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