Health Insurance Rebate Calculator
Calculate your private health insurance rebate based on income and age. See your rebate percentage, dollar savings, and what you actually pay after the government contribution.
Last verified: 1 July 2025How much is the private health insurance rebate in 2025-26?
The rebate tapers by income and age. Base tier (singles under $97,000, families under $194,000): 24.608% (under 65), 28.710% (65-69), 32.812% (70+). Tier 1 (singles $97,001-$113,000): 16.405% (under 65). Tier 2 ($113,001-$151,000): 8.202%. Tier 3 (over $151,000): 0% rebate regardless of age. Family thresholds are double the singles thresholds. You can take the rebate as a lower premium from your insurer or claim it as a tax offset. Source: Australian Taxation Office; Services Australia.
General information and estimates only — not financial, tax, or legal advice. Always verify with a licensed adviser or the ATO.
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