Introduction: A different factors influence family health care expenditures. This paper was aimed to determine these influential factors on the households in Yazd city(Iran). Methods: a total of 20000 questionnaires were designed, pretested, and used in the province of Yazd, Iran during the three months period of 2007 to collect data included household per- capita health care expenditures, insurance status, per-capita income, education of household head, household location and incidences of infancy and pregnancy in the household. Households were classified according their insurance status. Each of the two groups were classified whether they earned above the sample average income or below it. Regression analysis was used to measure the effect of explanatory variable on household per-capita expenditure in each group by econometric methods.

Results: The effect of all explanatory variables on household per-capita health care expenditures across all groups was positive, and strongly significant (with t values generally close to 2 or above it). However, the effect of household per-capita income is more pronounced in insured households compared to the uninsured in both above and below average income categorist. Furthermore, the effects are more pronounced in the above average income categories in both the insured and uninsured.

Conclusion: Household's health care expenditures is affected by many factors most important household's income. If people have no health insurance with low income, expend low money for using health care.