However, for low-income households with relatively heavy health-care needs such costs can accumulate. Research using a household expenditure survey (Navon and Chernichovsky, 2012) estimated about 68 000 households spend at least one-third of their disposable income (excluding spending on food) on health care. There has already been some widening of exemptions in recent years, including reduced co-payments for mother and child care and for the elderly. Nevertheless, more maybe needed to provide a good enough safety net.