How does the rebate work?

If you’re single and earning $140,000 or less, or a couple or family earning $280,000 or less, you may be eligible to receive a rebate on your private health insurance.

The Australian Government sets the rebate levels.

The following table shows the levels as they apply from 1 April 2017.

Singles: Rebate by Age
EARNING	<65 years	65-69 years	70+ years
$90,000 or less	25.934%	30.256%	34.579%
$90.001 – $105,000	17.289%	21.612%	25.934%
$105,001 – $140,000	8.644%	12.966%	17.289%
Over $140,000	0%	0%	0%

Couples & Families: Rebate by Age
EARNING	<65 years	65-69 years	70+ years
$180,000 or less	25.934%	30.256%	34.579%
$180.001 – $210,000	17.289%	21.612%	25.934%
$210,001 – $280,000	8.644%	12.966%	17.289%
Over $280,000	0%	0%	0%

Single parents and couples (including de facto couples) are subject to family tiers. If you have dependent children, your income threshold for the rebate increases by $1500 for each child after the first. To determine whether your child is a dependent for tax purposes or if you want more information about the rebate, please contact your registered tax agent or visit the ATO website.

How do you receive your rebate?

If you qualify for the rebate, you can choose to claim it either

• through a reduced health insurance premium
• through your tax return with the ATO

To use the rebate to reduce your health cover premiums, you need to let your health fund know your income tier (from the above table). Australian Unity members can nominate their tier by completing a Rebate Application Form:

• Download PDF
• Complete the form online

You can also contact your health fund at any time during the year to change your income tier.