Copays (or copayments) in health insurance are flat fees that you pay on the spot for medical care. Copays cover your portion of the cost of a doctor's visit or medication.

This does not count toward your deductible and is paid every time you go to the doctor or fill a prescription.

How much are copays?

The cost of copayments varies by insurance plan. Some services don't require a co-pay, and not all health insurance plans have co-pays (just like some plans have a $0 deductible).

Generally, plans with lower monthly premiums have higher co-pays.

Out-of-Pocket Maximum

Cost Sharing Reductions

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