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Policyholders will be advised of their premium change over the coming weeks, with new premiums effective from 1 April.
The Private Health Insurance Rebate will also be reduced from 1 April 2026, decreasing from 24.288% to 24.118% for the Base Tier. Read about the Rebate changes here.
“More people are using their health insurance for high-cost hospital care such as joint replacements and cancer treatment, and the cost of delivering care continues to rise,” said Private Healthcare Australia CEO Dr Rachel David. “This premium increase reflects those realities.”
Mark Butler, Minister for Health and Ageing, said he had asked insurers to resubmit premium requests many times before approving the 4.41% average increase.
“I expect private health insurers and hospitals to work hard to bring down costs and keep future price increases to a minimum.”
The health insurance average premium rise differs insurer by insurer, for example:
GMHBA +1.98%
HBF +2.15% (includes see-u and Queensland Country Health brands)
Want to compare the cost of your policy with others on the market? You can compare every health insurer and every policy at healthslips.com.au here.
Note: healthslips.com.au calculator will include premium price changes after 1 April 2026 when the government data on every policy from every insurer is released.
Trudie McConnochie
Writer and Researcher
Knowledge is power – that’s the guiding principle behind everything Trudie writes, and it’s a philosophy she brings to her work at healthslips.com.au. By breaking down complex information into easy-to-understand blogs and stories, she aims to empower Australians to make the best choices and an informed decision around private health insurance.
Trudie understands firsthand some of the complexity of private health insurance having moved to Australia from New Zealand and having to navigate a vastly different public healthcare system and health insurance structure.
Trudie holds a Bachelor of Communication Studies (journalism major) from the Auckland University of Technology.
