Health Insurance Rebate Calculator
Calculate your private health insurance rebate based on income and age. See your rebate percentage, dollar savings, and what you actually pay after the government contribution.
Last verified: 1 July 2025General information and estimates only — not legal, financial, or tax advice. Always verify with the Fair Work Ombudsman (13 13 94) or a qualified professional.
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The Medicare Levy Surcharge costs 1% to 1.5% of your income if you earn over $97,000 (singles) or $194,000 (families) and don't have private hospital cover. Learn the income tiers, how to avoid the MLS, and whether private health insurance is worth it.
Earning Over $101K? Why Not Having Health Insurance Is Costing You More Than You ThinkIf you earn over $93,000 and don't have private hospital cover, you're paying up to $2,160 in Medicare Levy Surcharge. A basic hospital policy costs less — and you get cover too.
Turning 31? The Lifetime Health Cover Loading Tax You Don't Know AboutAfter 30, every year without hospital cover adds a 2% loading to your premium — for 10 years. A 40-year-old pays 20% more. See the real dollar cost with our free calculator.