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There are many different types of health insurance plans in the marketplace.  It is our job to make the process as simple and efficient as possible.  Let's explore a little bit more about health insurance. 

CoPays are the fixed amount you pay under your insurance plan to visit the doctor, ER, specialist, etc. 

What Types of Plans Have CoPays?

There are way too many plans to choose from and it can become very intimidating.  Most all health insurance plans in California have copays.  Let us try to break down the basics of the types of plans in California that you might come across that have copays.

  • HMOs (Health Maintenance Organization).  These types of plans are one of the most affordable in the marketplace.  This is primarily because of the managed network structure that is in place.  Individuals who have this type of coverage have to designate a primary care physician , which will be the starting point for all medical services that might be needed through out the year. 
  • PPOs (Preferred Provider Organization).  This is also another affordable individual health insurance plan that gives people access to all health care providers within the network.  Additionally, you can also go out of network and most plans will cover you for care as well.  This type of health insurance is flexible and affordable. 
  • HSAs (Health Savings Account).  The HSA is primarily used for tax-free strategies so individuals can save some extra money during tax time.  Also, HSAs have high-deductible plans which are primarily used as "just-in-case" insurance, or catastrophic coverage for those unfortunate emergency events.   

Should I Pick A Health Insurance Plan With A Low CoPay?

Generally yes.  Most plans offer copays ranging from $20 to $50.  Some plans limit the number of doctor visits per year, which will limit your copays.  Other plans offer copay percentages which is generally a more expensive option.  When choosing a health insurance plan, make sure to research which plans make the most sense for you and your family from a copay standpoint.

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