2026 average premium increase

Data not available

Individual policy increases vary.

Industry average: +4.41%

Effective 1 April 2026.

Comparify can arrange cover with these brands: HBF, see-u by HBF, Bupa, ahm, HCF, nib, Australian Seniors, HIF, ACA Health and Hunter Health Insurance. We don't compare every fund or every policy in the market.

About ACA Health Benefits Fund

ACA Health is a restricted member Health Fund with the sole purpose of caring for the past and present Seventh-day Adventist Church employees, Local Church Officers and their families, with a range of health insurance products second-to-none.

Rate rise history

Premium increases — last 5 years

How ACA Health Benefits Fund's gazetted average increase has tracked against the industry each April.

Average premium increase: Data not available for ACA Health Benefits Fund.

Policies listed with the Government (PHIO)

Policies ACA Health Benefits Fund has listed with the Government's PHIO dataset, as at August 2026.

Hospital
5listed policies
  • Basic1
  • Bronze1
  • Silver1
  • Gold2

2

Extras-only policies

From $52/mo

24

Combined policies

Full hospital and extras coverage bundled together

Lowest listed price

Cheapest hospital premium

$123/mo

Per month, before rebate

PHIO data, August 2026Sold in NSW, NT, QLD, SA, TAS, VIC, WA
Counts are distinct product families, not per-state variants

Not all of these policies are available through Comparify. Your advisor will confirm which ones we can arrange.

Hospital pricing

How ACA Health Benefits Fund's hospital cover prices compare

Each row shows the whole market's monthly premiums for that tier, with ACA Health Benefits Fund's own open policies marked in purple.

Basic1 ACA Health Benefits Fund policy
Median$12071 open policies · 26 funds
Basic Hospital — $123 per month
$102$233
Bronze1 ACA Health Benefits Fund policy
Median$15198 open policies · 29 funds
Bronze Essentials Hospital 750 VIC — $139 per month
$128$208
Silver1 ACA Health Benefits Fund policy
Median$227201 open policies · 28 funds
Silver Plus Hospital 750 — $164 per month
$141$473
Gold2 ACA Health Benefits Fund policies
Median$308105 open policies · 24 funds
Gold Private Hospital — $257 per month
Gold Deluxe Hospital — $311 per month
$192$600
ACA Health Benefits Fund policyMiddle 50% of the marketMarket medianFull market range

VIC, single cover, monthly premiums before rebate. Plus variants are folded into their base tier. Combined policies are excluded.

Extras pricing

How ACA Health Benefits Fund's extras cover prices compare

Extras-only policies grouped by what they actually cover, using the same VIC single cohort selected above.

Everyday extras
Median$3381 open policies · 26 funds
$4$129

ACA Health Benefits Fund has no open policies at this level for the selected cohort.

Mid extras1 ACA Health Benefits Fund policy
Median$7086 open policies · 22 funds
Ancillary Lite — $52 per month
$18$262
Top extras1 ACA Health Benefits Fund policy
Median$115219 open policies · 27 funds
Complete Ancillary — $126 per month
$16$295
ACA Health Benefits Fund policyMiddle 50% of the marketMarket medianFull market range
Everyday extras
General dental and everyday services — no major dental
Mid extras
Major dental covered, orthodontics not covered
Top extras
Major dental and orthodontics both covered

Compare ACA Health Benefits Fund against the market — with an advisor

Same price as joining ACA Health Benefits Fund direct. No obligation, no upsell — just a clear side-by-side comparison from a real human.

ACA Health Benefits Fund FAQ

ACA Health Benefits Fund questions, answered honestly

Can't find what you're looking for? Our Aussie-based advisors are a phone call away — 7 days a week.

See all explainers

Funds we can arrange

  • Bupa logo
  • HCF logo
  • nib logo
  • ahm logo
  • HBF logo
  • HIF logo

Prices shown are PHIO-listed base premiums before the Australian Government Rebate and any age-based discount, sourced from the Government's Private Health Information Statement data (August 2026).

Comparify can arrange cover with these brands: HBF, see-u by HBF, Bupa, ahm, HCF, nib, Australian Seniors, HIF, ACA Health and Hunter Health Insurance. We don't compare every fund or every policy in the market.