As a result of their disproportionally higher out-of-pocket costs from deductibles and co-pays, many individuals living with chronic and life-threatening conditions rely on non-profit charities to help pay their health insurance premiums and copayments.  

This assistance is in jeopardy for individuals who are enrolled in qualified health plans (QHPs) offered under the Affordable Care Act. 

While CMS permits third-party premium payments from certain federal programs, such as Indian/tribal entities and the Ryan White HIV/AIDS program, plans are allowed to deny payments from non-profit charities.