Consumers are spending $363 billion a year on ancillary health care, according to a new study by Deloitte. Ancillary care falls outside of conventionally counted health care costs such as doctors, prescriptions, hospitals and health insurance coverage.

The report, "The Hidden Costs of U.S. Health Care for Consumers: A Comprehensive Analysis," was conducted by Deloitte's Center for Health Solutions and Center for Financial Services to gauge the total costs consumers really spend out of their own pockets on health care products and services beyond what is typically paid by insurers and other government sources, such as Medicare and Medicaid.

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