"Out-of-pocket expenses" refers to any expenses that are paid for directly by an individual or business and are not reimbursed by insurance or any other third-party payer. Here are some synonyms to use instead of "out-of-pocket expenses": direct costs, personal expenses, upfront costs, unreimbursed expenses, outlays, expenditures, personal outlays, personal expenditures, and upfront payments. People or businesses can incur these costs while paying for goods, services, or any other expenses that are not covered by insurance. It's worth noting that these costs can add up quickly, and it's essential to keep track of them to avoid any financial strain.