Out of pocket is it a subordinate clause?

No, "out of pocket" is not a subordinate clause; it is a phrase that typically refers to expenses that one must pay directly, often in the context of insurance or personal finances. A subordinate clause, on the other hand, is a group of Words that contains a subject and a verb but cannot stand alone as a complete sentence because it depends on a main clause for its meaning. For example, "because I had to pay" is a subordinate clause.