In no case does this require you to pay the photographer and Instagram. It would be legally possible for you to pay the photographer or Instagram. This change

In no case does this require you to pay the photographer and Instagram. It would be legally possible for you to pay the photographer or Instagram. This change means that Instagram could license photos published through their service to you without compensating the photographer. You always have the option of licensing the photos directly from the photographer, in which case Instagram isn't involved at all.