| VT | WY | CO | IN | TX | IA | CT |
| MT | NC | NH | SD | AZ | SC | OR |
| MS | FL | OK | UT | WI | GA | CA |
| DC | HI | MO | ME | IL | WA | MA |
| LA | TN | MN | NE | ID | RI | AK |
| NM | KS | NJ | OH | NV | PA | VA |
| AR | NY | KY | WV | ND | DE | AL |
| MI | MD |
U.S. Average
Copayment: $19.00
Deductible: $1,351.00
Benefits: Average Co-pays & Deductibles
The average copayment measures the average payment that a patient with employer-sponsored health insurance makes at the point of service for an office-based physicians visit. Co-payments are one way that consumers pay “out-of-pocket” for their health care.
The average deductible measures the average amount a family (with an employer-sponsored insurance plan)—rather than the insurance company—is responsible for paying before insurance begins to contribute towards the cost of care. This is another way consumers pay “out-of-pocket” for their health care.
| Rank | State | Copayment | Deductible |
|---|---|---|---|
| 1 | Vermont | $19.00 | $2,016.00 |
| 2 | Wyoming | $20.00 | $1,842.00 |
| 3 | Montana | $23.00 | $1,663.00 |
| 4 | Colorado | $22.00 | $1,609.00 |
| 5 | North Carolina | $21.00 | $1,584.00 |
| 6 | Mississippi | $23.00 | $1,578.00 |
| 7 | Indiana | $20.00 | $1,573.00 |
| 8 | New Hampshire | $16.00 | $1,570.00 |
| 9 | Florida | $19.00 | $1,567.00 |
| 10 | District of Columbia | $16.00 | $1,558.00 |
| 11 | Texas | $21.00 | $1,555.00 |
| 12 | South Dakota | $21.00 | $1,551.00 |
| 13 | Oklahoma | $22.00 | $1,545.00 |
| 14 | Hawaii | $14.00 | $1,524.00 |
| 15 | Louisiana | $23.00 | $1,518.00 |
| 16 | Iowa | $19.00 | $1,505.00 |
| 17 | Arizona | $19.00 | $1,495.00 |
| 18 | Utah | $20.00 | $1,493.00 |
| 19 | Missouri | $19.00 | $1,470.00 |
| 20 | Tennessee | $21.00 | $1,464.00 |
| 21 | New Mexico | $22.00 | $1,460.00 |
| 22 | Connecticut | $20.00 | $1,436.00 |
| 23 | South Carolina | $21.00 | $1,429.00 |
| 24 | Wisconsin | $20.00 | $1,427.00 |
| 25 | Maine | $19.00 | $1,415.00 |
| 26 | Minnesota | $20.00 | $1,414.00 |
| 27 | Kansas | $20.00 | $1,400.00 |
| 28 | Arkansas | $23.00 | $1,372.00 |
| 29 | Oregon | $19.00 | $1,347.00 |
| 30 | Georgia | $22.00 | $1,343.00 |
| 31 | Illinois | $20.00 | $1,327.00 |
| 32 | Nebraska | $21.00 | $1,325.00 |
| 33 | New Jersey | $20.00 | $1,311.00 |
| 34 | New York | $19.00 | $1,271.00 |
| 35 | California | $18.00 | $1,265.00 |
| 36 | Washington | $19.00 | $1,256.00 |
| 37 | Idaho | $19.00 | $1,208.00 |
| 38 | Ohio | $19.00 | $1,194.00 |
| 39 | Kentucky | $20.00 | $1,178.00 |
| 40 | Massachusetts | $17.00 | $1,159.00 |
| 41 | Rhode Island | $16.00 | $1,142.00 |
| 42 | Nevada | $18.00 | $1,135.00 |
| 43 | West Virginia | $18.00 | $1,130.00 |
| 44 | Alaska | $22.00 | $1,112.00 |
| 45 | Pennsylvania | $17.00 | $1,097.00 |
| 46 | North Dakota | $21.00 | $1,097.00 |
| 47 | Virginia | $19.00 | $1,089.00 |
| 48 | Delaware | $16.00 | $1,035.00 |
| 49 | Alabama | $23.00 | $1,022.00 |
| 50 | Michigan | $16.00 | $1,015.00 |
| 51 | Maryland | $18.00 | $993.00 |