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  • Exclusive member benefits.
  • Largest health fund in WA
  • 30 day cooling-off period.

Medicare Levy Surcharge and rebate explained

How the Australian Government Rebate on private health insurance and the Medicare Levy Surcharge affect you.

Understanding the rebate and surcharge

The rebate reduces the cost of health cover for people eligible for Medicare and under the income threshold. The rebate amount depends on your age and taxable income.

If your taxable income is above the income threshold and you don't have private hospital cover, you'll be charged an additional surcharge by the Australian Government. Just by having hospital cover, you could avoid paying the government's surcharge - in many cases it's cheaper to have hospital cover than to pay the surcharge. The surcharge is in addition to the standard Medicare Levy and ranges from 1% to 1.5% depending on your income.

The table shows the rebate you could receive on your health cover and the surcharge you could be charged by the Australian Government if you don't have hospital cover, based on your age and income tier.

  BASE Tier Tier 1 Tier 2 Tier 3
  Income
Singles ≤ $90,000 $90,001 - $105,000 $105,001 - $140,000 ≥ $140,001
Couples/
families
≤ $180,000 $180,001 - $210,000 $210,001 - $280,000 ≥ $280,001
  Government rebate
Aged < 65 26.791% 17.861% 8.930% 0%
Aged 65-69 31.256% 22.326% 13.395% 0%
Aged 70+ 35.722% 26.791% 17.861% 0%
  Medicare Levy Surcharge*
Singles 0% 1% ($900 - $1050) 1.25% ($1312 - $1750) 1.50% ($2100)
Couples/
families
0% 1% ($1800 - $2100) 1.25% ($2625 - $3500) 1.50% ($4200)

Income thresholds will be based on Average Weekly Ordinary Time Earning (AWOTE). 
Single parents and couples (including de facto couples) are subject to the family tiers. 
For families with children, the thresholds are increased by $1500 for each child after the first.

* Payable in addition to the Medicare Levy if you don't have eligible hospital cover. 
These income tiers are for the 2015-16 tax year. The income tiers change each year and will be updated on 1 July 2017 for the 2016-17 tax year. Please contact ATO for further details.

Register your income tier

It is important that members with an annual income in tiers 1-3 advise HBF of their current income tier.

Register your tier


No private hospital cover?

Depending on your income, you could have to pay the Medicare Levy Surcharge if you don't have appropriate hospital cover.

If you are a single earning more than $90,000 or family earning over $180,000 you could save hundreds of dollars at tax time by taking out hospital cover today.

Calculate how much you could save

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How can you get the most from your health cover?

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