Private Health Insurance Rebate at $100k Income
At $100,000 income for 2026-27, a single policyholder sits in the Base tier — a 24.12% rebate (under 65).
Rebate by age band at $100k (Base tier)
| Age of oldest person on the policy | Rebate rate |
|---|---|
| Under 65 | 24.118% |
| 65–69 | 28.139% |
| 70+ | 32.158% |
Worked examples (under 65, Base tier)
Illustrative planning figures — actual insurer pricing varies by policy and state.
| Annual hospital premium | Rebate (24.118%) | Premium after rebate |
|---|---|---|
| $1,800 | $434 | $1,366 |
| $3,000 | $724 | $2,276 |
| $4,800 | $1,158 | $3,642 |
The rebate applies to the base hospital premium only — it does not reduce any Lifetime Health Cover loading.
Medicare Levy Surcharge at $100k
As a single, $100,000 is below the 2026-27 MLS threshold — no surcharge applies whether or not you hold hospital cover.
Single vs family threshold at the same income
As a single income
Tier: Base tier
MLS if uninsured: None
As a combined family income
Tier: Base tier
MLS if uninsured: None
Family thresholds increase by $1,500 for each dependent child after the first.
Next step: run the full numbers
Compare adjacent incomes
Frequently asked questions
What private health insurance rebate do I get at $100k income?
Does $100k trigger the Medicare Levy Surcharge if I don't have cover?
What if $100k is a family income, not a single income?
Does the rebate rate change by age?
Does Lifetime Health Cover loading reduce the rebate?
Tax Accuracy & Sources
This page shows the private health insurance rebate tier and Medicare Levy Surcharge interaction at a chosen income. It is a planning guide, not personal tax advice.