Grouped bar chart showing the average annual out-of-pocket medical spending by age, for men and women in the U.S. At any age, women spend an average of $266 more out-of-pocket, even after excluding maternity services. The average spending for 19-to-23-year-olds is $1,102 for men and $1,441 for women. By ages 59 to 64, spending rises to $1,896 for men and $1,959 for women.