The out-of-pocket costs in Australian healthcare, with particular reference to:

1. the current and future trends in out-of-pocket expenditure by Australian health consumers;
2. the impact of co-payments on: 
   1. consumers’ ability to access health care, and
   2. health outcomes and costs;
3. the effects of co-payments on other parts of the health system;
4. the implications for the ongoing sustainability of the health system;
5. key areas of expenditure, including pharmaceuticals, primary care visits, medical devices or supplies, and dental care;
6. the role of private health insurance;
7. the appropriateness and effectiveness of safety nets and other offsets;
8. market drivers for costs in the Australian healthcare system; and
9. any other related matter.