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Health Insurance Prices 

Reviewed and updated 13 September 2024

In this Guide, we provide an overview of what affects the final price you may pay for Private Health Insurance and also answer your common questions about the cost of health insurance. 
 
This Guide explains: 

  • how to find your cheapest health insurance price 
  • the difference between the government-approved premium and the final price you may pay 
  • the incentives and penalties that affect your final price 
  • how insurer promotions may affect your final price 
  • the adult dependant variations which may affect your final price.  

Health insurance prices explained

How do I find my cheapest health insurance price?  
How do I compare health insurance prices?  
What affects my health insurance price?
What does not affect my health insurance price?
How can I make health insurance cheaper?  
Are Private Health Insurance prices regulated?  
What are the government incentives and penalties that affect my health insurance price?  
How does the way I pay for health insurance affect my price?  
How far in advance can I pay for my health insurance?  
Is it worth paying a higher price because an insurer is a well-known brand?  
How much does Private Health Insurance cost? 

Insurer promotions explained

What are insurer promotions and how do they affect my price?  
Are insurer promotions regulated by the government?  
Do insurers have to offer the same promotions to new and existing customers?  
Do insurers have to apply their promotions equally to all customers? 

Adult dependant variations explained

What are adult dependants and how do they affect my health insurance price?  
What happens to my health insurance price if I have a dependant with a disability?  
Can a non-student dependant affect my health insurance price? 
Does the Lifetime Health Cover Loading apply to a dependant over 31 years of age?  
Can an aged parent living in my household be a dependant on my policy?   

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