Private Health Insurance Rebate by Income
The 2026-27 rebate steps down in 4 tiers as income rises, and the rate also depends on age. Pick your income below for the full worked example plus the Medicare Levy Surcharge interaction.
Rebate tier and MLS status by income (single, under 65)
| Single income | Rebate tier | Rebate (under 65) | MLS if uninsured |
|---|---|---|---|
| $60k | Base | 24.118% | None |
| $80k | Base | 24.118% | None |
| $100k | Base | 24.118% | None |
| $110k | Tier 1 | 16.079% | 1.00% |
| $120k | Tier 1 | 16.079% | 1.00% |
| $130k | Tier 2 | 8.038% | 1.25% |
| $150k | Tier 2 | 8.038% | 1.25% |
| $170k | Tier 3 | 0% | 1.50% |
| $200k | Tier 3 | 0% | 1.50% |
Click an income to see rebate rates for every age band, the family-threshold comparison, and preset links into the rebate and MLS calculators.
Go deeper at your income
Related private health tools
PHI rebate calculator
Full rebate with your exact premium, income and household.
Medicare Levy & MLS
The surcharge you would pay instead of holding cover.
LHC loading by age
If you're joining hospital cover later in life.
Is private health worth it?
Combine MLS, rebate and LHC loading in one decision.
Frequently asked questions
How does the private health insurance rebate change with income?
Does the rebate depend on age as well as income?
Are the family thresholds the same as the single thresholds?
What happens if my income exceeds the top tier?
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.