1. Short title This Act may be cited as the Help Ensure Lower Patient Copays Act or the HELP Copays Act . 2. Application of additional payments, discounts, and other financial assistance toward cost-sharing requirements (a) Application toward cost-Sharing requirements 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-payment , 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 third-party payments, financial assistance, discounts, product vouchers, and other reductions 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 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 third-party payments, financial assistance, discounts, product vouchers, and other reductions in out-of-pocket expenses and such amounts shall be counted toward such deductible, coinsurance, copayment, charge, or other expenditure, 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