out-of-pocket

 Out-of-pocket health care expenses

out-of-pocket
Without funds or assets
Calling for the spending of cash

Out-of-pocket expenses are direct outlays of cash which may or may not be later

reimbursed.

In operating a vehicle, gasoline, parking fees and tolls are considered out-of-pocket expenses for the trip. Insurance, oil changes, and interest are not, because the outlay of cash covers expenses accrued over a longer period of time.