What are the private health insurance rebate tiers from 1 April 2026?

For under-65 singles: Tier 0 (≤$105,000) = 24.118%, Tier 1 ($105,001–$123,000) = 16.079%, Tier 2 ($123,001–$164,000) = 8.039%, Tier 3 (>$164,000) = 0%. Rates are higher at ages 65–69 and 70+. Family thresholds are double, plus $1,500 per child after the first. The rebate percentage is re-adjusted every 1 April.

How is the Medicare Levy Surcharge calculated?

If you do not hold private hospital cover and earn above the threshold, you pay 1% (Tier 1), 1.25% (Tier 2) or 1.5% (Tier 3) of your income for surcharge purposes, on top of the standard 2% Medicare levy.

Is private hospital cover cheaper than the surcharge?

Often, above the Tier 1 threshold. This calculator compares your net premium (after the rebate) against the surcharge you would otherwise pay, so you can see which is cheaper for your income.

Health · Australia

Private Health Rebate & Medicare Levy Surcharge Calculator (2026)

Find your rebate tier and percentage, the dollars off your premium, and the Medicare Levy Surcharge you'd pay without hospital cover — so you can see which is cheaper. Updates as you type.

Your details

Income for surcharge purposes (per year)

Status

Dependent children

Your age

Private hospital cover?

Annual hospital premium (if you have/want cover)

How it works: Your rebate percentage depends on income tier and age; the rebate reduces your premium. If you don't hold hospital cover and earn above the Tier 1 threshold, the Medicare Levy Surcharge applies on top of the standard 2% Medicare levy. Read our rebate & surcharge guide and the Medicare Levy Surcharge guide. Figures: 2026–27 (ATO / PrivateHealth.gov.au). Disclaimer →

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Rebate off your premium

$362

Tier 0 · 24.118% rebate

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Rebate rates by income tier & age (from 1 April 2026)

Your rebate percentage is set by your income tier and your age. The row and column matching your inputs above are highlighted. Thresholds shown are for singles — family/couple thresholds are double, plus $1,500 for each dependent child after the first.

Income tier (single)	Under 65	Age 65–69	Age 70+	MLS if no cover
Tier 0 — ≤ $105,000	24.118%	28.138%	32.157%	0%
Tier 1 — $105,001–$123,000	16.079%	20.098%	24.118%	1.0%
Tier 2 — $123,001–$164,000	8.039%	12.059%	16.079%	1.25%
Tier 3 — > $164,000	0%	0%	0%	1.5%

Rebate percentages apply 1 April 2026 – 31 March 2027 (re-adjusted each 1 April); income thresholds are the 2026–27 figures. The Medicare Levy Surcharge (MLS) is charged on top of the standard 2% Medicare levy and only if you do not hold private hospital cover. Source: ATO / privatehealth.gov.au.

🔒 Calculations run 100% in your browser — we never see your numbers 📊 Built on primary-source data (see references above) 🔄 Reviewed 2026 · methodology · disclaimer