The average person with traditional Medicare coverage paid $5,460 out of her own pocket for health care in 2016, according to a new KFF analysis and interactive tool. This $5,460 includes about $1,000 in out-of-pocket spending for long-term care facility services, averaged across all traditional Medicare beneficiaries. Such services are used by only 5% of beneficiaries in Medicare. For the 95% of beneficiaries living in the community, average out-of-pocket spending on health care was $4,519 in 2016. But some beneficiary cohorts spent substantially more than others.
Beneficiaries who were likely to spend more out of pocket include women, people in older age groups, those who had been hospitalized, people in poorer self-reported health, and those with multiple chronic conditions.