What the health insurance rebate changes mean

Deciphering the health insurance rebate changes is probably not high on many Australians' to-do lists, but the federal government's recent changes in this legislation will affect many of the 10.4 million people this insurance.

The federal government discount on insurance premiums was previously 30 percent and is open to all residents eligible for Medicare.

However, under the proposed changes, which take effect on 1 July, the government will means test the rebate. It will also means testing the Medicare Levy surcharge. This is in addition to the on-average of five per cent increase in premiums, which will take place in April.

Your health insurance rebate is calculated by your health insurance according to the tax legislation at the end of each financial year.

Under the new laws, if you're clearing your private health insurance, you are eligible for additional tax. The amount depends on your income.

Private Health Insurance Administration Council chief executive officer Shaun Gath says: "The first thing people need to look at is their income, because the changes are a means test. People need to understand they might not be affected."
Who are you?

Singles who earn less than $ 83,000 per year will not be affected, nor will families with less than $ 166,000 per year. They are still entitled to the 30 percent discount.

Those whose income outside the brackets above will be affected by the changes.

For families with more than one dependent child, increases the threshold to $ 1500 for each child after the first.

Gath says: "We recommend people look at their cover every five years to ensure that the settings are right for where they are. The cover suitable for a person at 30 is by definition not the same as coverage for a person of 60 years.

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