Calculate Your Private Health Insurance Rebate

Use the simple calculator below to quickly find out what your private health insurance rebate is worth and how much you have to pay when your rebate is means-tested from 1st July 2013 onwards.

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 2023 for the 2023-24 financial year.
• Before 1 July 2023, the income thresholds remained unchanged for 8 years from 2015–16 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 $186,001 to $189,001.
• 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 $93,000 (single) or $186,000 (couples/families) in the 2023-24 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.