Pillar
Tax
Medicare Levy Surcharge, the Australian Government Rebate, and the tax side of private health cover.
Pillar guide
The Complete Australian Guide to the Medicare Levy Surcharge (2025–26)
What the MLS is, who actually pays it, how it is calculated, and the rules you need to get right to avoid it.
14 min read
Cluster guide
The Australian Government Rebate on private health insurance, explained
Income-tested, age-tested, and adjusted every 1 April — here is exactly what you get back in 2026–27.
9 min read
Cluster guide
Lifetime Health Cover loading: the 2% a year rule, explained
Your base day, the 2% a year penalty, the 70% cap, and the ten-year sunset that removes it.
8 min read