Guides
Tax & thresholds
The Medicare Levy Surcharge, the government rebate and Lifetime Health Cover loading for 2026–27, explained with the ATO's own thresholds and worked examples.
Published guides
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Private health insurance rebate 2026–27: tiers, percentages and what you actually get back
The rebate percentages from 1 April 2026 for every income tier and age band, how to claim it, and the two ways people get it wrong. Checked against the ATO.
Updated
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Medicare Levy Surcharge 2026–27: thresholds, rates and what it costs you
The 2026–27 MLS thresholds from the ATO, what the surcharge costs at each income level, and the exact cover that removes it. Updated 17 September 2026.
Updated
Coming soon
- Lifetime Health Cover loading
- Do I need private health insurance?
- Turning 31: what changes