out-of-pocket
US /ˌaʊt əv ˈpɑːkɪt/
UK /ˌaʊt əv ˈpɑːkɪt/

1.
自付的, 自掏腰包的
paid for by oneself rather than by one's employer or by insurance
:
•
I had to pay for the repairs out-of-pocket.
我不得不自掏腰包支付修理费。
•
Many patients face high out-of-pocket medical expenses.
许多患者面临高额的自付医疗费用。