The average individual in Medicare spent $38,688 [out-of-pocket] in their last five years of life. The average couple spent $51,030 in the five years before one spouse died. But spending wasn’t evenly distributed. For individuals, the median amount spent was $22,885, but the 90th percentile spent was $89,106. That means that ten percent of people had to spend more than $89,000 out of their own pockets. For couples, the median was $39,759, and the 90th percentile was $94,823.