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Notice: During the government shutdown, if you have a 2025 health insurance plan, continue using your plan and providers. If you don’t have a plan, you can use this site to apply for and access coverage.
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Copayment

A fixed amount ($20, for example) you pay for a covered health care service after you've paid your deductible.
Let's say your health insurance plan's
for a doctor's office visit is $100. Your copayment for a doctor visit is $20.
  • If you've paid your
    : You pay $20, usually at the time of the visit.
  • If you haven't met your deductible: You pay $100, the full allowable amount for the visit.
Copayments (sometimes called "copays") can vary for different services within the same plan, like drugs, lab tests, and visits to specialists.
Generally plans with lower monthly
have higher copayments. Plans with higher monthly premiums usually have lower copayments.

Related content

  • Learn how deductibles and copayments affect your total costs of care