Private Health Insurance Rebate

Reviewed and updated 19 September 2024

The Private Health Insurance Rebate is calculated based on your:

single, couple or family status
income
age
number of dependent children.

If your income is higher than the income threshold, you may not receive the Private Health Insurance Rebate.

To check whether you are eligible for the Private Health Insurance Rebate, use the tables below to find your Rebate. The percentages listed are the rebates you will receive on the price of your health insurance.

Private Health Insurance Rebate for Singles (1 July 2024 – 30 June 2025)

Your income	Your age	Your rate
$97,000 or below	Under 65	24.608%
	65-69	28.710%
	Over 70	32.812%
$97,001-$113,000	Under 65	16.405%
	65-69	20.507%
	Over 70	24.608%
$113,001-$151,000	Under 65	8.202%
	65-69	12.303%
	Over 70	16.405%
$151,001 or above	All ages	Not eligible

Private Health Insurance Rebate for Single Parents, Couples and Families* (1 July 2024 – 30 June 2025)

Your income	Your age	Your rate
$194,000 or below	Under 65	24.608%
	65-69	28.710%
	Over 70	32.812%
$194,001-$226,000	Under 65	16.405%
	65-69	20.507%
	Over 70	24.608%
$226,001-$302,000	Under 65	8.202%
	65-69	12.303%
	Over 70	16.405%
$302,001 or above	All ages	Not eligible

*For families with children the income thresholds increase by $1,500 for each child after your first child.

Here are some examples of how the Private Health Insurance Rebate works in practice:

A single earning under $97,000 per year

Bella is a 26-year-old single with a taxable income of $85,000 per year. She is entitled to a Rebate of 24.608% on the price of her health insurance.

A couple earning over $226,000 per year

Adam and Ben are a couple in their thirties with two dependent children. They have a combined taxable income of $250,000 per year. They are entitled to a Rebate of 8.202% on the price of their health insurance.

A single parent earning over $194,000 per year

Mariel is a 45-year-old single parent with one dependent child. She has a taxable income of $197,000. She is entitled to a Rebate of 16.405% on the price of her health insurance.

A single over 65 but under 70 earning under $97,000

Alfonso is a 68-year-old single with no dependent children. He has a taxable income of $85,000 per year. As he is over 65 but under 70, he is entitled to a Rebate of 28.710% on the price of his health insurance.

A couple over 70 earning under $194,000

Melissa and Fred are a couple in their eighties with no dependent children. They have a combined taxable income of $147,000. As they are both over 70, they are entitled to a Rebate of 32.812% on the price of their health insurance.

How does the Private Health Insurance Rebate work?

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