How does the Lifetime Health Cover Loading work for new migrants to Australia?

A migrant who was 21 when they arrived in Australia and received their Medicare registration in 2016

Felipe was born on 2 January 1990, migrated to Australia in 2011 when he was 21 and received his Medicare registration on 13 April 2016. His Base Day is 1 July 2021 because that is the later date of:
– 1 July following Felipe’s 31st birthday
– the first anniversary of Felipe’s full Medicare registration.

A migrant who was 36 when they arrived in Australia and received their Medicare registration in 2019

Vashti migrated to Australia when she was 36 and received her Medicare registration on 1 September 2019. Her Base Day is 1 September 2020 because that is the later date of:
– 1 July following Vashti’s 31st birthday
– the first anniversary of Vashti’s full Medicare registration.