b'The Consumption and Activities Mail Survey (CAMS) is a supplemental mail survey that is part of the HRS. Conducted in the off-year from the main HRS survey since 2001, CAMS collects very detailed questions about activities and spending before and during retirement.Looking at spending patterns between 2005 and 2017 across all ages, HRS reveals: Overall, spending steadily decreases with age. Housing is the largest spending category for every age group. On average, households spend less on food and on work-related expenses, such astransportation and clothing, as they grow older. Spending on entertainment declines with age, but older households spend a larger share oftheir budgets on gifts and contributions. Spending on health care costs increases as we age. Interestingly these patterns remain fairly consistent between 2005 and 2017 with one notableexception: the average annual share of health costs as a fraction of overall household spendingfor those age 75 and older actually declined after 2007, the year after Medicare Part D went intoeffect. Lower spending on prescription drugs may explain part of the overall decline.47TakeawayAverage Share of Health Care in Total Household Expenses,Total out of pocket health spending 20052017, Ages 75 or Older decreased from 15% of total household spending in 2005 to 11% in 2017Total out of pocket Health insurance Drugs Health service Total spending on prescription drugs 15% went from 5% in 2005 to 2% in 201714%13%12% 12%11% 11%8% 8%7% 7% 7%6% 6%5%4% 4%3% 3% 3% 3% 3%2% 2%2005 2007 2009 2011 2013 2015 2017Source: Ebrahimi, Employee Benefit Research Institute, 201921'