Almost all (97%) of covered workers enrolled in HMOs were required to pay copayments for physician office visits in 2005 (see Exhibit 4.6). The copayment amounts that covered workers face have been increasing in recent years. In 2005, the most common copayment was $15 (34% of covered workers, up from 10% in 1996). A growing number of covered workers face a $20 copayment (27%, up from 1% in 1996). The percentage of covered workers paying $5 per visit decreased from 24% in 1996 to 5% in 2005.