The copay is a fixed amount you pay for a health service, such as a doctor's appointment or a prescription.
The amount of the copay depends on your health plan. The copay for each service may be different. For example, a doctor's visit may have a $10 copay. But a visit to a specialist, like a psychiatrist, may have a $15 copay.
You usually have to pay the copay when you get a health care service, such as at your doctor's office or at the drug store.
Under the Affordable Care Act, you won't have to pay for services that may prevent you from getting sick, like cancer screenings or vaccines, as long as your health plan isn’t grandfathered. These are called preventive services, and your health plan cannot charge you a copay or other type of fee for them.