With healthcare costs increasing steadily, it's understandable that both the cost of healthcare as well as health insurance are an increasing concern for everyone. One method to manage the costs of health insurance is co-payments; Co-Pay is a mechanism that allows insurance providers to reduce the cost and present a win-win scenario for both insurers and the insured. A health policy with a co-pay clause can help you make savings in the long run in the right circumstances. Let's cover what are co-payments and who it might be best suited for.