What we're doing about private health insurance

We consult with people in the community, service providers, health insurers and other health agencies to help make private health insurance more effective. We administer, review and reform private health insurance laws to make private health insurance easier to understand.

Administer private health insurance laws

We administer the following laws:

These laws set out the rules for private health insurance and private health insurers.


  • publish guidance to help industry and the general public understand the laws
  • administer the private health insurance rebate together with Services Australia and the Australian Taxation Office
  • improve the laws to encourage health care providers and health insurers to provide better value for money

Assess applications for premium increases

Health insurers must apply to the Minister for Health to increase premiums.

Along with the private industry regulator, we assess the applications before the Minister considers them. This happens at the same time each year with premium changes taking effect each 1 April.

View the average premium increases from 2013 to 2019.

Assess applications from private hospitals

We also assess applications from private hospitals for:

Engage with stakeholders

We consult with industry and other stakeholders to make private health insurance laws as clear and effective as possible.

Our private health insurance circulars provide updates and information to health insurers, hospitals, health service providers and state and territory health agencies.

Reforms to private health insurance

It can be hard to choose the right private health insurance for you. Find out how private health insurance reforms are making it easier to compare different levels of cover.

Last updated: 
20 July 2020

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