In the USA we have a very complex health care system and when you go to the doctors office, you must pay a small amount of money to the health care practice, whereby your health insurance will pay the remaining of the contracted amount. Without the co-pay, the health insurance is  not complete, and services may not be rendered, this is similar to our lives. We all have some degree of a “co-pay” to contribute towards the “insurance” which is represented by our joy, our happiness, our peace. We have to make a conscious effort of contribution. That in essence is the co-pay, it is our contribution to the whole insurance of our betterment, physical,mental, and spiritual. The co-pay varies per person, depending on the insurance held. Similarly the amount of energy you put in to ensure your continued happiness also varies depending on whatever situation you are in. The self nature of good deeds, thoughts, and actions assists in the completing of the wholesome picture of peace of mind and spirit.

There is another entity called the deductible. It is the amount of money that has to be put forward by you towards your insurance plan, after which the bills are picked up by the insurance company. Some consumers have a higher deductible than others. Higher the deductible, the lower the monthly premium to be paid to maintain the insurance. To most of us this is a very confusing  and inefficient use of resources and finances yet it is the system in place for most people. Think of it in another way. The  more stress we have in our lives and the more chaotic we make our living situations, the more we have to use our insurance policy. The more deductible that has to be paid before we can use the policy, is indicative of the efforts that we have to put  in to try to find the opportunities for advancement of our peace. Sometimes the deductible is too high to be able to even get to use the insurance policy, yet that is correlated with the amount of efforts that have to be made to find the peace in  the first place.