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Earning over $101,000? You could be paying up to $2,400 in hidden tax

The Medicare Levy Surcharge costs Australians without hospital cover up to 1.5% of their income. We compare plans from registered health funds to find if insurance actually saves you money.

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Data sourced from privatehealth.gov.au

How it works

Tell us your income & age

We calculate your exact Medicare Levy Surcharge and Lifetime Health Cover loading.

See if insurance saves you money

Side-by-side comparison: MLS tax vs cheapest qualifying insurance. Some people are better off paying the tax.

Find the right plan

Choose your clinical needs and excess preference. We match you to the plans from registered health funds.

Medicare Levy Surcharge 2025–26

Without appropriate hospital cover, the ATO charges a surcharge on top of the standard 2% Medicare Levy.

Income (Singles)	Income (Families)	MLS Rate	Cost Example
≤ $101,000	≤ $202,000	0%	No surcharge
$101,001 – $118,000	$202,001 – $236,000	1.0%	$1,100/yr on $110K
$118,001 – $158,000	$236,001 – $316,000	1.25%	$1,625/yr on $130K
≥ $158,001	≥ $316,001	1.5%	$2,400/yr on $160K

Source: ATO 2025-26 MLS thresholds. Family threshold increases by $1,500 per dependent child after the first.

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Our Method

How we calculate costs

Independent & Neutral — We search registered health funds. Our revenue comes from subscribers, not from product providers. All data sourced from privatehealth.gov.au.