Medicare Levy Calculator
Calculate your Medicare levy and surcharge for 2025-26. See if you qualify for a reduction, and whether private health insurance would save you money.
Last verified: 1 July 2025How much is the Medicare levy in 2025-26?
The Medicare levy is 2% of taxable income for most Australian residents. Singles earning $27,222 or less are exempt; the levy phases in between $27,222 and $34,027. Families are exempt below $45,907 (plus $4,216 per dependent child). High earners without private hospital cover also pay the Medicare Levy Surcharge of 1-1.5%. Source: Australian Taxation Office.
General information and estimates only — not financial, tax, or legal advice. Always verify with a licensed adviser or the ATO.
Related reading
2% of taxable income = $1,700 on $85K. Plus up to 1.5% surcharge without private health. Medicare levy thresholds and exemptions explained.
Medicare Levy Surcharge: Who Pays It & How to Avoid ItUnderstand the Medicare Levy Surcharge — income thresholds, rates from 1% to 1.5%, how private health insurance exempts you, and the difference between the MLS and the standard Medicare levy.
Private Health Insurance Rebate 2025-26: How Much You Get Back by IncomeComplete guide to the Australian Government Private Health Insurance Rebate for 2025-26. Rebate percentages by age and income tier, how to claim, and the Medicare Levy Surcharge you'll pay without cover.
Private Health or MLS? $1,300–$2,400/yr If You Skip It (2025-26)Earn over $97K and skip private hospital cover? The Medicare Levy Surcharge adds $1,300/yr at $130K, up to $2,400/yr at $160K in 2025-26. See rebate tiers and when cover pays for itself.