Glossary · Costs
What is an in-network copayment?
An in-network copayment is a fixed amount you pay for covered care from providers who contract with your plan, such as $15. It is usually less than an out-of-network copayment.
Definition and figures from HealthCare.gov glossary, checked October 23, 2026. This page explains the term; it does not recommend a plan.
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In-network copayment: the facts
| Item | Fact | Source |
|---|---|---|
| HealthCare.gov example | $15 in network | HealthCare.gov glossary: In-network copayment |
| Out-of-network example | $30 | HealthCare.gov glossary: Out-of-network copayment |
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What does in-network copayment mean in health insurance?
An in-network copayment is a fixed amount you pay for covered care from providers who contract with your plan, such as $15. It is usually less than an out-of-network copayment.