My last 5 insurers had copays between $0 and $20. Same price whether it's a specialist or primary care. If it's an HMO, often it's just free entirely. PPO plan

My last 5 insurers had copays between $0 and $20. Same price whether it's a specialist or primary care. If it's an HMO, often it's just free entirely. PPO plans tend to have a small fee -- it's never been enough that I've given it a second thought -- and have wide coverage with few limits.