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Health Insurance 101: What Are Out-of-Pocket Costs?

Lauren Smith, MASanjai Sinha, MD
Written by Lauren Smith, MA | Reviewed by Sanjai Sinha, MD
Updated on August 5, 2025
Reviewed by Sanjai Sinha, MD | August 5, 2025

Your out-of-pocket costs are expenses that you pay for healthcare services that are not reimbursed by your health insurance. If you’re confused about your out-of-pocket costs or how to lower them, talk to an insurance representative.

References

HealthCare.gov. (n.d.). Out-of-pocket costs.

HealthCare.gov. (n.d.). Saving money on health insurance: Cost-sharing reductions.

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Lauren Smith, MA
Written by:
Lauren Smith, MA
Lauren Smith, MA, has worked in health journalism since 2017. Before joining GoodRx, she was the senior health editor and writer for HealthiNation.
Sanjai Sinha, MD
Reviewed by:
Sanjai Sinha, MD
Sanjai Sinha, MD, is a board-certified physician with over 20 years of experience. He specializes in internal medicine.

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