Changes to the Private Health Insurance Rebate
The government has proposed removing the age loading on the private health insurance rebate from 1 April 2027. If you're 65 or over, your rebate will drop to the standard under-65 rate for your income tier. Use the calculator below to see exactly what it means for you.
See how the 2027 changes affect you
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Estimate only, based on the highest applicable rebate for your income and standard rebate rates. It assumes the change applies as announced and excludes the normal annual premium increase. Rebate rates and thresholds are set by government and change periodically. Not financial or tax advice — see the ATO or your fund for your exact figures.
What's actually changing?
The Private Health Insurance Rebate currently pays back a percentage of your premium — with a higher rate for people aged 65 and over (and higher again for 70+). From 1 April 2027, the government has proposed removing that age loading. Everyone in the same income tier will get the same rebate, regardless of age.
Under 65
Nothing changes. Your rebate percentage stays exactly the same.
Aged 65 and over
Your rebate drops to the under‑65 rate for your income tier — a higher net premium for the same cover.
Top income tier
Already on 0% rebate (Tier 3)? The change doesn't affect you.
Income tiers (2024–25)
Family thresholds are double the singles thresholds.
| Tier | Singles income | Family income |
|---|---|---|
| Base | Up to $97,000 | Up to $194,000 |
| Tier 1 | $97,001 – $113,000 | $194,001 – $226,000 |
| Tier 2 | $113,001 – $151,000 | $226,001 – $302,000 |
| Tier 3 | Above $151,000 | Above $302,000 — no rebate |
Not sure what these changes mean for you?
Book a free 15‑minute call with one of our health insurance experts — we'll walk you through your options in plain English.
Dive deeper, in plain English
The private health rebate is changing for over-65s — here's what it means for you
From 1 April 2027, the extra rebate older Australians receive on private health insurance is being wound back. Around 3 million people aged 65+ could be affected. Here's a plain-English guide to what's changing, why, and what to do.
