Would you be equally happy if you were sick enough to be hospitalized as you are when you're healthy? If not, that's a cost. I doubt the out-of-pocket medical costs are the most important part of this decision.

You guys are missing the point. The point is that people who are anti vax clearly have skin in the game by any measure. The point is not impacted by these little details, so don't go off in some flamewar here

I think you're also missing a point: the anti people don't believe they have skin in the game. Any statistics you quote is just fake news.

The point has wooshed over your head and flown into orbit. The original context was having skin (perceived or not) in the game and if it would always impact behavior. I'm not trying to convince anti vaxers of anything, just observing human behavior in general.