out-of-pocket

US /ˌaʊt əv ˈpɑːkɪt/
UK /ˌaʊt əv ˈpɑːkɪt/
"out-of-pocket" picture
1.

自腹の, 自己負担の

paid for by oneself rather than by one's employer or by insurance

:
I had to pay for the repairs out-of-pocket.
修理代は自腹で払わなければならなかった。
Many patients face high out-of-pocket medical expenses.
多くの患者は高額な自己負担の医療費に直面している。