Insured individuals pay more out of pocket for healthcare, mainly because they go to the doctor more often and take better care for the most part, but the uninsured are not all free riders either. BD
On average, an uninsured American pays $583 out of pocket toward average annual medical costs of $1,686 per person, Hadley's team reported in the journal Health Affairs. The annual medical costs of Americans with private insurance average far more — $3,915, with $681, or 17 percent, paid out of pocket, the report found.
"The uninsured receive a lot less care than the insured, and they pay a greater percentage of it out of pocket. Contrary to popular myth, they are not all free riders," Hadley said.