[Healthcare expenses of Brazilian families living in metropolitan areas: composition and trends during the period from 1995 to 2009].

Private health insurance plans represent a significant proportion of total health spending in Brazil. In order to establish the evolution and composition of spending on health among families living in metropolitan areas, Family Budget Research findings conducted in 1995-1996, 2002-2003, and 2008-2009 were studied. The categories of spending were standardized and values were adjusted by the Broad Consumer Price Index in order to compare the findings. In the period from 1995 to 2009, average family spending on health fell from R$ 194.68 to R$ 179.01. The components that most contributed to the reduction were dental care, medical consultations and other spending on health. Private health insurance was the component with the greatest increase in participation in relation to total spending - from 29% to 44% - and the highest increase in average spending, from R$ 56.50 to R$ 78.62. The reduction of average spending on health occurred mainly among lower income families, whereas these figures remained stable among families with higher incomes. Family health spending became less regressive, since lower income families began to commit a lower proportion of their income for these expenses, while the opposite was observed in families with higher incomes.