Factors influenced their out of pocket cost including participating in health insurance (B= - 9, 865, 109; 95% CI: - 12, 960, 181 - -6, 770, 038), number of inpatient days (B= 882, 125; 95% CI: 780, 081 - 984, 169) and being students (B= 4, 081, 835; 95% CI: 883, 645 - 7, 280, 025).