Safety net: All individuals with OOP payments over €129 in a given year are eligible for a tax credit equal to roughly one-fifth of their spending, but there are no caps on OOP spending. Exemptions from cost-sharing are applied to people age 65 and over or age 6 and under who live in households with a gross income below a nationally defined threshold (approximately €36,000); people with severe disabilities, as well as prisoners, are exempt from any cost-sharing. People with chronic or rare diseases, people who are HIV-positive, and pregnant women are exempt from cost-sharing for treatment related to their condition. Most screening services are provided free of charge.