which is always a cost when buying insurance?\no premium\no deductible\no co - payment\no payout

Brief Explanations:

A premium is the amount an insured party pays regularly to an insurance company to keep the insurance policy in force. A deductible is an amount the insured pays before insurance kicks in and may not always be applicable depending on the policy. Co - payment is a share of the cost paid at the time of service and also not always present in all policies. A payout is money received from the insurance company, not a cost.

Answer:

premium