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Out-of-pocket costs specifically refer to the expenses that individuals need to pay for medical care that are not covered or reimbursed by their insurance plans. This includes deductibles, copayments, and coinsurance that patients must pay when they receive healthcare services. These costs can vary significantly depending on a person's insurance plan and the types of healthcare services utilized.

The other options focus on different aspects of healthcare financing. Reimbursed costs pertain to situations where insurance companies cover some or all medical expenses, which would not classify as out-of-pocket expenses. Fixed monthly premiums are the set amounts that insured individuals pay to maintain their insurance coverage but do not typically encompass variable costs incurred at the time of service. Discounts on medical services may reduce what someone pays out-of-pocket but do not fundamentally define out-of-pocket costs themselves, which center on payments made without insurance reimbursement.