out-of-pocket

1 of 2

adjective

out-of-pock·​et ˌau̇t-ə(v)-ˈpä-kət How to pronounce out-of-pocket (audio)
: requiring an outlay of cash
out-of-pocket expenses

out of pocket

2 of 2

adverb

1
: from cash on hand : with one's own money rather than with money from another source (such as an insurance company)
With so many people willing to pay out of pocket most insurance companies do not pay for the procedure, because they regard it as "cosmetic" …Kenneth Chang
2
chiefly British
a
: in the position of having lost money
On Oct. 7, the government suddenly pulled the plug on Railtrack PLC, the privatized owner of Britain's railway infrastructure, leaving the company's 250,000 shareholders out of pocket.Kerry Capell
b
: out of funds : without money
My wife and I are already consumers of Straus's organic yogurt, butter, cream and ice cream, although I admit when I am feeling out of pocket I opt for a slightly cheaper competitor.Larry Gallagher

Examples of out-of-pocket in a Sentence

Recent Examples on the Web
Adjective
These Americans are often forced to pay more for healthcare and pay directly out-of-pocket. William A. Haseltine, Forbes, 20 Feb. 2024 Representing an extreme case, a couple with particularly expensive prescription drugs will need $413,000 (accounts for out-of-pocket drug caps from the Inflation Reduction Act). Medora Lee, USA TODAY, 18 Feb. 2024 There's no out-of-pocket cost for the testing, which is available at the health unit at 614 E. Emma Ave. Al Gaspeny, arkansasonline.com, 17 Feb. 2024 In fact, roughly 8 million Anthem members in California were at risk of losing in-network access to UC Health’s vast network of prestigious hospitals and medical facilities, which could have left them with much higher out-of-pocket expenses. Annie Sciacca, Sacramento Bee, 16 Feb. 2024 Share your story Many drug manufacturers also offer savings cards and patient assistance programs that can reduce certain people’s out-of-pocket costs. Tami Luhby, CNN, 15 Feb. 2024 While the costs of drugs before insurance are far higher than what most Americans actually pay, out-of-pocket costs are still higher in the U.S. than in most peer nations, data from the Organization for Economic Cooperation and Development shows. Julia Ingram, Verywell Health, 12 Feb. 2024 President Joe Biden’s 2022 Inflation Reduction Act capped out-of-pocket costs of insulin to people on Medicare to $35 a month, but only for seniors. Steve Karnowski, Fortune Well, 8 Feb. 2024 The change could have a noticeable impact on patient access and out-of-pocket costs — and on MA companies’ bottom lines. Sarah Owermohle, STAT, 6 Feb. 2024
Adverb
Seniors on Medicare will pay no more than $35 per month out of pocket, thanks to a provision in the Inflation Reduction Act that went into effect Jan. 1. Berkeley Lovelace Jr., NBC News, 14 Mar. 2023 Biden will also propose benefit changes that includes limiting to $2 how much a Medicare recipient must pay out of pocket for certain generic drugs. Taylor Wilson, USA TODAY, 9 Mar. 2023 When the coupon expires, she and other patients will be forced to pay out of pocket. ABC News, 23 Feb. 2023 For people in those situations, paying for health care out of pocket or applying to public programs are not viable options. Sarah Lapidus, The Arizona Republic, 30 Dec. 2022 When starting a varsity team just depended on procuring a mat, Benson paid thousands out of pocket. Aj Traub, BostonGlobe.com, 30 Dec. 2022 Wegovy, for example, costs over $1,300 per month and is taken over the long term, so many patients can’t afford to pay for it out of pocket. Elaine Chen and Isabella Cueto, STAT, 29 Dec. 2022 Visitors would need to pay out of pocket, with the Financial Times reporting one couple paid $170 each for a dose. Bloomberg, Fortune, 28 Dec. 2022 The costs are usually rolled into the mortgage, meaning borrowers won't have to pay them out of pocket — though this does reduce the loan amount available to them. Becca Stanek, The Week, 19 Dec. 2022 See More

These examples are programmatically compiled from various online sources to illustrate current usage of the word 'out-of-pocket.' Any opinions expressed in the examples do not represent those of Merriam-Webster or its editors. Send us feedback about these examples.

Word History

First Known Use

Adjective

1885, in the meaning defined above

Adverb

1679, in the meaning defined at sense 2a

Time Traveler
The first known use of out-of-pocket was in 1679

Dictionary Entries Near out-of-pocket

out of pocket

out-of-pocket

out of politeness

Cite this Entry

“Out-of-pocket.” Merriam-Webster.com Dictionary, Merriam-Webster, https://www.merriam-webster.com/dictionary/out-of-pocket. Accessed 28 Feb. 2024.

Legal Definition

out-of-pocket

adjective
: requiring an outlay of cash
out-of-pocket expenses
Last Updated: - Updated example sentences
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