Calculate Your Private Health Insurance Rebate

Notes:

• Rebate calculations are based on the information that you have provided and the income tiers outlined by the Australian Federal Government.
• The income thresholds used to calculate the Medicare levy surcharge and private health insurance rebate are indexed and have increased from 1 July 2025.
• Before 1 July 2023, the income thresholds remained unchanged for 8 years from 2014-15 to 2022-23 (the thresholds remained at the 2014-15 levels during this period).
• If your rebate is to change, contact your private health insurer now and tell them which tier you are in to avoid a potential tax liability.
• Single parents and couples (including de facto couples) are subject to the family tiers.
• For families with multiple children, the income threshold increases by $1,500 for each dependent child after the first. For example, a Tier 1 family with three children will have its income threshold increased by $3,000 – from $194,001 to $197,001.
• If you or your family don’t have private health insurance hospital cover, or you choose to cancel your cover, you will pay the Medicare levy surcharge if you earn more than $97,000 (single) or $194,000 (couples/families) in the 2024-25 financial year.
• You may also pay Lifetime Health Cover if you buy hospital cover when you are 31 or older.
• The tiers are based on more than your taxable income. To work out your income, use the Australian Taxation Office (ATO) Private Health Insurance Rebate calculator.