Do Copays Count Towards Deductible?

Do Copays Count Towards Deductible – Overview

The Copay is the fixed amount you owe to the doctor over the insurance coverage. For instance, when deductibles are in thousands of dollars, then the copay amount can be as less as $25 to $75, which seems like a small change in comparison.

However, the copay amount can sometimes add up if you are suffering from an ongoing medical problem. Apart from this, copays for emergency room visits or urgent care can be as much as $100 or more.

Now, you may be wondering, do copays count towards health insurance deductible?

In this article, we will describe how copays and deductibles work. It is highly recommended to read your insurance policy details and how the insurance coverage is structured.

Copays and Deductibles – The Difference

If you are a financially responsible person, then budgeting for your health insurance deductible is extremely important. To do this, you should know how to meet deductibles and what factors count towards it.

The cost-sharing requirements of your health insurance plan determine whether or not copays count toward your deductibles. Remember, most insurance plans do not count copays towards deductibles. However, your health insurance policy might likely do so.

Every year, companies change their health insurance cost-sharing requirements as they seek new, affordable, and consumer-friendly options to create the best-suited cost-sharing structure.

To check this facility, you can go through the Summary of Benefits and Coverage option in your insurance policy documents. Make sure to check the math properly and if you are still unsure, you can call your insurance agent or company directly.

However, you should not expect to count towards the deductible. Still, copays will be counted towards your maximum out-of-pocket expenses unless you have specified it differently.

Do Copays Count Towards Deductible

Do Copays Count Towards Deductible – Copays

Copays Accumulate Quite Fast

Copayments tend to add up fast. Even if your insurance plan does not count copays towards deductibles, it will most likely count towards your maximum out-of-pocket limit.

Once the cap is reached, your insurance should pay for any covered services for the remainder of the year.

That is, assuming you use in-network healthcare providers and follow any rules for your plan, such as step therapy or prior authorization.

Most insurance plans apply the cost of certain services towards the deductibles and use copayments for different services. Your copays and deductibles generally don’t apply to the same health care service.

Remember, two different healthcare services can be performed at the same time. For instance, you can visit a clinic and undergo a lab test. In such cases, the clinic visit may have a copay, while the lab test may have a separate charge that counts towards the deductible.

Copays and ACA-Compliance

Though rare, all ACA-compliant insurance plans count copays towards your yearly out-of-pocket expenses limit as there is an upper limit to how much a policyholder is obliged to make out-of-pocket payments.

As long as you have a normal health insurance policy, your comprehensive out-of-pocket costs at in-network service providers cannot be less than US$ 8,700 for a single person as of 2022. In 2023, this limit was raised to US$ 9,100.

Most health insurance policies limit out-of-pocket expenses, so you may have a policy with a lower maximum limit on how the in-network out-of-pocket charges can be during a single year. Most insurance holders do not meet their maximum out-of-pocket limit in a year.

However, if you reach this cap, it can be due to a combination of deductible, copay, and coinsurance.

If copays apply to multiple services, you may meet the out-of-pocket limit only with the copay amount without needing to meet your deductible.


Generally, copays do not count toward insurance deductibles. They usually apply to some services while deductible is applied to others. Still, both are counted towards the insurance plan’s maximum out-of-pocket limit, which is the maximum amount that an insurance policyholder will have to pay for their covered, in-network health care services during a year.

See Also

What is Travel Medical Insurance

Medical Insurance for Self Employed

Medical Credit Card for Dental

How to Apply for Medical Insurance

Follow us