Find out if you're paying the surcharge and how much you could save with private health insurance in 2025-26.
Include taxable income, reportable super, and fringe benefits.
You are in the 1.25% surcharge tier.
By taking out an appropriate level of private hospital insurance, you could potentially save $1,500.00 in tax this year.
The Medicare Levy Surcharge (MLS) is an extra tax paid by Australian taxpayers who earn above a certain income and do not have an appropriate level of private hospital insurance. It is on top of the standard 2% Medicare Levy that most Australians pay.
The thresholds for the 2025-26 financial year have been indexed upwards:
| Tier | Single Income | Family Income | Surcharge Rate |
|---|---|---|---|
| Base Tier | $0 - $101,000 | $0 - $202,000 | 0% |
| Tier 1 | $101,001 - $118,000 | $202,001 - $236,000 | 1.0% |
| Tier 2 | $118,001 - $158,000 | $236,001 - $316,000 | 1.25% |
| Tier 3 | $158,001+ | $316,001+ | 1.5% |
*Family thresholds increase by $1,500 for each dependent child after the first.
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