The cheapest exempt cover costs less than the surcharge by
$493
Surcharge $1,625 against $1,132 of cover: ahm health insurance, ambulance hospital (basic) (Basic, $750 excess), $102.60 a month before rebate.
| Income tested: $130,000 | Tier 2, 1.25 % |
| Surcharge without cover, you | $1,625 |
| Cheapest exempt policy, full premium | $1,231 |
| Rebate (8.038 %) | -$99 |
| Net cost of the policy | $1,132 |
| Income from which cover is cheaper | $105,500 |
Premiums: PrivateHealth.gov.au file of 2026-10-01, 435 open policies that avoid the surcharge for this cover type in NSW and ACT. Premiums change on 1 April 2027.