Australia Private Health Rebate, MLS & LHC Calculator 2026–27
Australia Private Health Rebate, MLS & LHC Result
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Method and test recordFormula v1.0.0
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- Definition fixtures
- 4 configured scenarios
- Published examples
- 4 shown below
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No tool-specific review method has been recorded.
These records describe the published model and reference tests. A test-case count is not a certification of every possible input or an independent specialist review. Editorial policy
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Method sources
Reference inputs and expected results
Up to 12 examples from the configured definition fixtures are shown. Expected values use the stated output units; invalid inputs are intended to be rejected.
| Case | Inputs | Expected result |
|---|---|---|
| Reference case | Jurisdiction and currency: australia; MLS/rebate family status: single; Income for MLS and rebate purposes: 120000 currency; Dependent children after the first: 0 count; Age of insured adult: 40 count; Annual base hospital premium: 3000 currency; Approved hospital cover for MLS: no; Age when hospital cover started: 30 count | Income tier code: 1; 2026–27 rebate percentage: 16.079 %; Rebate on base hospital premium: 482.37; Simplified LHC loading: 0 %; loaded_premium_before_rebate: 3000; Modeled premium after rebate and LHC: 2517.63; MLS rate: 1 %; Modeled Medicare Levy Surcharge: 1200; Premium plus modeled MLS: 3717.63 (allowed numeric tolerance: 1.0E-6) |
| Age 65 Tier 1 exact table value | Jurisdiction and currency: australia; MLS/rebate family status: single; Income for MLS and rebate purposes: 120000 currency; Dependent children after the first: 0 count; Age of insured adult: 65 count; Annual base hospital premium: 3000 currency; Approved hospital cover for MLS: yes; Age when hospital cover started: 35 count | Income tier code: 1; 2026–27 rebate percentage: 20.098 %; Rebate on base hospital premium: 602.94; Simplified LHC loading: 10 %; loaded_premium_before_rebate: 3300; Modeled premium after rebate and LHC: 2697.06; MLS rate: 0 %; Modeled Medicare Levy Surcharge: 0; Premium plus modeled MLS: 2697.06 (allowed numeric tolerance: 1.0E-6) |
| Age 70 Tier 2 exact table value | Jurisdiction and currency: australia; MLS/rebate family status: single; Income for MLS and rebate purposes: 150000 currency; Dependent children after the first: 0 count; Age of insured adult: 70 count; Annual base hospital premium: 4000 currency; Approved hospital cover for MLS: no; Age when hospital cover started: 30 count | Income tier code: 2; 2026–27 rebate percentage: 16.079 %; Rebate on base hospital premium: 643.16; Simplified LHC loading: 0 %; Modeled premium after rebate and LHC: 3356.84; MLS rate: 1.25 %; Modeled Medicare Levy Surcharge: 1875; Premium plus modeled MLS: 5231.84 (allowed numeric tolerance: 1.0E-6) |
| Family child threshold uplift | Jurisdiction and currency: australia; MLS/rebate family status: family; Income for MLS and rebate purposes: 250000 currency; Dependent children after the first: 3 count; Age of insured adult: 40 count; Annual base hospital premium: 3000 currency; Approved hospital cover for MLS: no; Age when hospital cover started: 30 count | Income tier code: 1; 2026–27 rebate percentage: 16.079 %; MLS rate: 1 %; Modeled Medicare Levy Surcharge: 2500 (allowed numeric tolerance: 1.0E-6) |
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What this calculator answers
Australian private-health costs can combine an income-tested rebate, Medicare Levy Surcharge and Lifetime Health Cover loading. Each has different rules and bases.
Reproduce the published 2026–27 PHI tier arithmetic while keeping policy suitability and tax eligibility outside the model.
Method and calculation order
The 2026–27 income thresholds select a tier. Age and tier select the published rebate percentage; MLS applies only when the user marks no approved hospital cover. Simplified LHC uses 2% per starting age year over 30, capped at 70%.
Worked reference example
A single person aged 40 with 120,000 MLS income is Tier 1. The under-65 rebate is 16.079%; without approved cover, the modeled MLS is 1% of income.
How to use the result
Use ATO-defined income, confirm cover for every required family member and use insurer records for LHC base day, permitted days and prior loading. Compare policy coverage separately from tax.
What the calculator cannot know
Specific to 2026–27 thresholds and rebate percentages checked 2026-10-08. The LHC calculation is simplified and excludes permitted days, overseas and migration rules, ten-year removal and couples averaging. The ATO and insurer determine outcomes.
Frequently asked questions
Does buying any policy avoid MLS?
No. The cover must satisfy current approved-hospital-cover rules for the relevant people.
Is the 2% Medicare levy included?
No. This tool models only the additional MLS.
Primary sources and review status
- Australian Government — Private Health Insurance Rebate
- Australian Government — Medicare Levy Surcharge
- Australian Government — Lifetime Health Cover
Sources and model boundaries checked 2026-10-08. This new opportunity-map expansion has automated formula, fixture and source QA but has not been represented as human editorial review. Keep the route noindex until CalculatorGeek records a completed YMYL editorial review.