What the health insurance rebate changes mean

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.

At 30 you're probably looking for a product that will have relatively limited coverage in some areas, such as obstetrics would be more important. Many people simply set and forget. "
A detailed picture

With dozens of insurance companies that hundreds of policies, there are plenty of options to choose from. AMP financial planner Dianne Charman says it comes down to understanding what the impact will be and how you can cope financially.

"Look at your private health insurance in your own risk and whatever you're willing, so your premium will be cheaper,'' she says." You need to ensure for itself. For example, if you're willing to take the first $ 500 of any incurred medical expenses, make sure you have that money squirrelled away. "

Charman says it is also important to look closely at your policy details. "What extras you pay for and you need them? If you do not need optical, something to be without it if that will help to reduce the premium. Other features we look at is dental, which are different species. You might not need orthodontic work, so do not pay. "

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