ACA Copay CAP Act of 2025

[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 6171 Introduced in House (IH)] <DOC> 119th CONGRESS 1st Session H. R. 6171 To amend the Patient Protection and Affordable Care Act to establish an out-of-pocket limit on spending for prescription drugs. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES November 20, 2025 Mr. Auchincloss introduced the following bill; which was referred to the Committee on Energy and Commerce _______________________________________________________________________ A BILL To amend the Patient Protection and Affordable Care Act to establish an out-of-pocket limit on spending for prescription drugs. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``ACA Copay Cost and Affordability for Patients Act of 2025'' or the ``ACA Copay CAP Act of 2025''. SEC. 2. ESTABLISHING AN OUT-OF-POCKET LIMIT ON SPENDING FOR PRESCRIPTION DRUGS. (a) In General.--Section 1302(c) of the Patient Protection and Affordable Care Act (42 U.S.C. 18022(c)) is amended-- (1) by inserting after paragraph (1) the following new paragraph: ``(2) Annual limitation on cost-sharing for drugs.-- ``(A) In general.--The annual cost-sharing incurred under a health plan with respect to prescription drugs dispensed during a plan year beginning on or after January 1, 2027, shall not exceed the dollar amount specified in subparagraph (B) with respect to such plan year. ``(B) Amount specified.--For purposes of subparagraph (B), the dollar amount specified in this subparagraph with respect to a plan year is the following: ``(i) With respect to self-only coverage-- ``(I) for plan years beginning in 2027, $2,000; and ``(II) for plan years beginning in 2028 or a subsequent year, the dollar amount in effect under this subparagraph for plan years beginning in 2027, increased by an amount e