However, barriers to accessing care mainly affect the lowest income group: 6.8% of people with low income reported unmet needs for medical care, compared with only 0.8% among the highest income group (Figure 9), with financial barriers being the most important reason for such unmet medical care needs. However, there are large geographical differences in waiting times for these procedures, with over a three-fold difference between regions with the longest and shortest waiting times. Out-of-pocket payments, which include direct payments, cost-sharing for services outside the benefit package, as well as informal payments, account for 29% of all health spending in Hungary, nearly twice as high as the EU average at 15% (Figure 10).