The private sector plays an active role in financing health care services and products in Canada, most notably in the areas of prescription medication, dental care and private insurance. Private sector expenditures are derived primarily from private insurance and out-of-pocket expenditures (excluding insurance premiums) and totaled $56.9 billion in 2010, which represented about 30% of total health care spending. Despite this, Canadian households are spending an ever-increasing percentage of their total household income on health care.Between 1998 and 2009, out-of-pocket expenditures on health care services and products increased by 2.9% annually; the percentage of households spending more than 10% of their total after-tax income on health care rose by 56%.