Maddy summaryThe HELP Copays Act requires that financial assistance from non-profit organizations or prescription drug manufacturers counts toward patients' annual out-of-pocket cost-sharing limits (like deductibles and copays) for certain prescription drugs. It directly affects individuals enrolled in group health plans or individual insurance who receive such assistance, ensuring payments from these sources reduce their total out-of-pocket spending. The bill amends key healthcare laws to include these payments in calculating cost-sharing thresholds, specifically for specialty drugs and drugs subject to utilization management (like prior authorization). It takes effect for plan years beginning in 2026 and does not change how utilization management tools are applied.
Sponsored bills
Maddy summaryS. Res. 650 is a Senate resolution that formally recognizes the heritage, culture, and contributions of American Indian, Alaska Native, and Native Hawaiian women in the United States. The resolution highlights their achievements in military service, business ownership, healthcare, science, arts, and civil rights advocacy through specific examples of individual women. It does not create new laws or funding but serves as a symbolic acknowledgment of their historical and ongoing contributions to American society.
Maddy summaryThe Love Lives On Act of 2025 modifies veterans' and military survivors' benefit rules to prevent remarriage from automatically ending eligibility. It directly affects surviving spouses of veterans or military members who remarried, ensuring they retain access to key benefits. Key provisions include: (1) preventing termination of veterans' dependency compensation (under 38 U.S.C. §1311/1562) due to remarriage; (2) stopping termination of military Survivor Benefit Plan annuities solely for remarriage, with specific rules for those who remarried before age 55; and (3) expanding TRICARE coverage to include remarried widows/widowers whose subsequent marriage ended (via death, divorce, or annulment). These changes restore or maintain benefits that were previously lost upon remarriage.
Maddy summaryThis bill proposes a new windfall profits tax on crude oil producers and importers, targeting companies that extract or import more than 300,000 barrels of oil per day. The tax rate would be 50% of the amount by which current crude oil prices exceed a baseline set at the 2025 average, with adjustments for inflation in subsequent years. Revenue collected from this tax would be placed in a dedicated fund and then rebated directly to individual taxpayers as a credit against their income taxes. The rebate amount would be calculated quarterly based on the total tax revenue collected and distributed to eligible individuals, with higher amounts for joint filers and income-based phase-outs. The bill applies to oil extracted or imported after December 31, 2025, and includes provisions for territories with mirror tax systems to receive equivalent benefits.
Maddy summaryThis bill proposes to remove the 190-day lifetime limit on inpatient psychiatric hospital services for Medicare beneficiaries. It directly affects older Americans and other eligible individuals who rely on Medicare for mental health care coverage. The key provision amends the Social Security Act to delete the specific restriction that currently caps how many days Medicare will pay for inpatient psychiatric hospital stays. Changes made by this legislation would take effect on January 1, 2027, allowing Medicare to cover these services without the previous daily limit.
Maddy summaryThis bill creates a new Proprietary Education Interagency Oversight Committee composed of representatives from multiple federal agencies including the Department of Education, Consumer Financial Protection Bureau, Department of Justice, and others. The committee will coordinate oversight of for-profit colleges that receive federal student aid, share complaint information among agencies, and publish an annual report on institutional performance and enforcement actions. The bill also establishes a 'For-Profit College Warning List' that would publicly identify institutions facing lawsuits, settlements, or federal assistance suspensions, requiring written responses from schools before publication.
Maddy summaryThis bill, titled the Failed Bank Executives Clawback Act, would give the Federal Deposit Insurance Corporation and federal regulators the authority to recover compensation from executives and other high-level personnel at banks that have failed. It directly affects directors, officers, controlling stockholders, and other individuals found primarily responsible for a bank's failure at institutions with over $10 billion in assets. The law would require these individuals to return bonuses, stock awards, and other compensation received in the three years before the bank's insolvency or resolution, with recovered funds going into the Deposit Insurance Fund. Additionally, the bill clarifies the Corporation's authority to take over certain financial companies regardless of how the takeover process was initiated.
Maddy summaryThis bill, known as the Raising Awareness for Youth Suicide Prevention Act, requires schools that receive federal education funding to include mental health and suicide prevention resources on student identification cards. The law mandates that these cards display contact information for the 988 Suicide & Crisis Lifeline, the Crisis Text Line, and any state or local suicide prevention hotlines available in the area. Schools that do not issue physical ID cards must instead post this information prominently on their websites and include it on digital platforms students regularly use. The bill also directs the federal education secretary to run outreach campaigns to help students, parents, and school staff learn about these mental health resources.
Living Donor Protection Act of 2025 This bill prohibits life insurance, disability insurance, and long-term insurance carriers from denying or otherwise restricting coverage for living organ donors. Specifically, carriers may not deny, cancel, vary premiums, or otherwise impose conditions on policies based on an individual's status as a living organ donor. The bill also expressly specifies that recovery from organ-donation surgery constitutes a serious health condition that entitles eligible employees to job-protected medical leave. In addition, the Department of Health and Human Services must update educational materials on living organ donation to include information about the benefits and risks of living organ donation and the impact of donation on insurance access, particularly with respect to the bill's changes.
Maddy summaryThis bill, known as the Professional Degree Access Restoration Act, aims to restore federal student loan limits that were previously reduced for graduate and professional students. It directly affects students pursuing advanced degrees such as law, medicine, and education by increasing the amount of federal loans they can access. The legislation reverses specific loan cap reductions established by Public Law 119-21, allowing students to borrow more money during their period of instruction. By amending the Higher Education Act of 1965, the bill removes certain restrictions on annual and aggregate loan amounts for these student categories.