i want to know about co payment

Yes, you can certainly go to a phsyician without health insurance but ususally you have to pay the entire bill before you leave the office.

Having no copayment might be an opition. It depends on your insurance plan. They can vary quite a lot. Some plans the copayment is eliminated after you pay a certain amount during the year. Others have a permanet copayment. The worst option is not having any insurance at all. Which is a reality for many people.

The copayment is suppose to help keep the cost of insurance lower. It also serves the purpose of making people think seriously about going to the doctor because it will cost them money out of their pocket.