Co-pays (or copayments) in health insurance are flat fees that you pay on the spot for medical care. This does not count toward your deductible and is paid every time you go to the doctor or fill a prescription. Copays cover your portion of the cost of a doctor's visit or medication. You should be able to find your copay amount either in your insurance documents or on your insurance card.

The cost of co-pay varies by insurance but is usually around $30. Not all health insurance plans have co-pays, and there are some services that don’t require a co-pay (in a similar way to a deductible).

Generally, plans with lower monthly premiums have higher co-pays, so this is something to be mindful of when selecting a plan.