The number of Australians paying the Medicare Levy Surcharge at tax time continues to rise. New data from the Australian Tax Office shows the number of people who paid the Surcharge jumped from 768,537 in 2022-23, to 885,087 in 2023-24 – a 15% increase. The Medicare Levy Surcharge (MLS) applies to people who earn above the ATO income threshold and do not have Hospital Cover covering all members of their household. The thresholds...
Health insurance regulations mean top-level cover has increasingly become unaffordable for many Australians. That’s the finding in an Actuaries Digital article, which suggests that the 4 tiers – Basic, Bronze, Silver and Gold – should be restructured. The number of Australians with Gold tier policies has dropped from 95% in 2005 to just 30% in 2026, due to younger claimers being concentrated on expensive Gold policies. This means many people do not have access to services such as private maternity cover, assisted reproductive services...
Australians with health cover are paying larger out-of-pocket costs for private treatment than ever, new data shows. The average Gap for private hospital treatment has climbed to $511.02 – an increase of 8.4% from the previous quarter, according to the latest statistics from government regulator APRA (the Australian Prudential Regulation Authority). Average Gaps for Extras Cover have increased to $65.02 – a 3.4% rise. Orthopaedic procedures remain the most expensive when it comes to out-of-pocket costs, with...
The cost of raising children continues to rise, with policies for families among the hardest hit in the latest health insurance premium increases.Analysis by health insurance comparison site healthslips.com.au found increases to Family and Single Parent policies have risen higher than policies that don’t include children.The government announced health insurance premiums would rise by an...
Senior Australians are facing a double whammy of health insurance cost rises, putting extra pressure on wallets during the cost-of-living crisis. Changes to the Private Health Insurance Rebate, coupled with high premium increases to policies that meet health needs of people over 65, mean senior Australians will be hit doubly hard by new health insurance changes. Currently the Private Health Insurance Rebate reduces premiums for people on low incomes by up to 24.288%, with reductions...
Health insurance premiums will increase by an average of 4.41% on 1 April, but some Australians are already experiencing bill shock after finding their policies will increase by as much as 10.74%. In the past few weeks policyholders have been notified by health insurers about their premium rises on 1 April 2026 and in some cases, the increases are significantly higher than 4.41%. Analysis by health insurance comparison...
Out-of-pocket fees for Australians with health insurance have risen, new data shows. Statistics from health insurance industry regulator APRA reveal average Gaps for hospital treatment rose by 7.7% in 2025, from an average of $437.61 to $471.29. Gaps for Extras Cover claims were up 5.6% from an average $59.53 to $62.87. Despite the increased Gaps and the cost-of-living crisis, Australians are holding onto their health insurance policies. There was no change to...
The government has approved a 4.41% average health insurance premium rise for 2026 – the highest increase in 9 years. Every year, health insurers must apply to the Minister for Health and Ageing to raise premiums. Last year’s average increase was 3.73%, while the 2017 average was 4.84%. 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...
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An Agreement Hospital is a private hospital which has a contract with a health insurer to treat the insurer’s members for an agreed fee. This means members will pay either no Hospital Gap or a ‘known Hospital Gap’ (a set fee) for inpatient treatment at that hospital. A Hospital Gap refers to the out-of-pocket costs you...
According to the Department of Health, Disability and Ageing’s list of declared hospitals, there are 642 private hospitals, including day hospital facilities, in Australia as of July 2026.You can find a list on the healthdirect website.
Private hospitals are often perceived as expensive because, unlike public hospitals, they do not receive all their funding from the government. As a patient, you are charged for the treatments and services you receive. This is because private hospitals are run either as not-for-profit organisations or for-profit businesses. If you enter a private hospital, you may...
If you are a private hospital patient and the treatment you are receiving is listed on the Medicare Benefits Schedule (MBS), Medicare will cover 75% of the MBS fee for your doctors’ services.You have to pay the rest of the hospital and medical fees, which could include:If you have Hospital Cover for that treatment, you...
Some larger private hospitals have emergency departments.When deciding whether to go to a public or private emergency department, consider:
In Australia, private hospitals are owned and operated by private organisations. These include for-profit companies and not-for-profit organisations.The companies with the largest share of the private hospital market include:
In Australia, a private hospital is a hospital owned and operated by a private organisation but licensed and regulated by the state and territory governments.If you decide to be treated in a private hospital, you will have more choice about the treatment you receive and your accommodation because:You also have to pay for your treatment...
In this Guide, we provide an overview of how private hospitals operate in Australia.Private hospitals play an important role in the Australian Health System, especially for surgery that is classified as ‘elective’.If you need this type of surgery, it is sometimes hard to know whether you should use the public or private system.This Guide explains: