During the same time period, out-of-pocket spending as a percentage of total health spending fell from 48.8 to 48.2. Nevertheless, when tried to compare to 2013-14 figures, out-of-pocket health expenditure lowered by 16 percentage points from 64.2 percent. Out-of-pocket expenses are expenses incurred directly by households at the time of receiving healthcare. This reflects the level of financial protection available to families for medical costs.