Most people focus on the price when they are shopping for health insurance. Price is important but a very important part of the buying decision is weighed upon how much it will cost when it's time to go to the doctor and exercise the almighty co-pay. This seems to be the most important factor for some people who buy health insurance. Buying a high priced plan with low co-pay and the assumption it will cost you less when you go to the doctors office is a big mistake.