The co-pay is the portion the insured pays. It isn't always small. It isn't even always a small percentage. A procedure my wife recently had, the co-pay was about half the total cost.
Co-pays depend the insurance company, the plan, the health care provider, and the procedure.
the co-pay I wind up paying is 20% of the total cost in medical care including hospitalization. The cost of my surgery last December was more than $175,000 if I had to pay it myself. The operation like an open surgery operation, in my neck, is going to run around $100,000. Co-pay pays 80% of that, which leads me to pay $2000.
However, there are other charges that I'm responsible for paying for, I do want to go into those, but there are many.
Co-pays depend the insurance company, the plan, the health care provider, and the procedure.