Pharmacy Receipt Consumer advocates say the proposed changes will make drugs unaffordable for many people with serious medical conditions like cancer and multiple sclerosis who rely on pricey medications. (Photo: Shutterstock)

Patients who get financial help from drug companies to cover their copayments for prescription drugs could owe a bigger chunk of their costs under a proposed federal rule.

The annual rule, which sets a wide range of standards regarding benefits and payments for most health plans for next year, would allow employers and insurers to decide that drug companies' assistance doesn't count toward their members' deductible or out-of-pocket maximum spending limits. Only payments made by patients themselves would factor into those calculations.

Consumer advocates say the proposed changes will make drugs unaffordable for many people with serious medical conditions like cancer and multiple sclerosis who rely on pricey medications.

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