This study quantifies the out-of-pocket (OOP) healthcare expenses incurred by graduate students and examines the relationship between OOP expenses and students’ health insurance literacy. We conducted an anonymous Qualtrics survey among graduate students at a research university and obtained 626 valid responses. Our findings provide critical insights into graduate students’ OOP healthcare financial burden and the dual role played by health insurance literacy as a determinant of healthcare expenses. Finally, we offer policy implications to enhance graduate students’ economic well-being, reduce financial stress, and support their academic progression.

Accepted Oral Presentation