Health insurance rises: The countdown is on!
Your health insurance premiums will go up on April 1st - the average increase is 3.73%, but odds are good that yours are going up by even more! Act now to save.
Key takeaways
- Health insurance prices are going up on April 1st.
- The average increase is 3.73%, but your rise will probably be even more than that.
- There are ways to save, but you'll want to act now.
When are health insurance prices going up
Prices go up on April 1st this year. Price go up on the same day most every year, so it's a good one to put in your diary.
[countdown here somewhere]How to avoid the price rise
You can't escape insurance price rises, and you can't negotiate them down. However, there are some ways you can still save money:
- Review your cover: Check your policy docs and make sure you're still covered for everything you need, and nothing more. You might find you can drop a couple of treatments, maybe you're done having kids and don't need childbirth covered anymore. Of course, you might need to up your cover if things have changed - better to do this sooner rather than later though.
- Compare and switch: There's probably a policy out there that offers everything you're getting now, for less money. You won't know until you check, so use the tools on this page to compare from 40+ Aussie health funds in seconds. You might even be eligible for a new sign-up bonus!
- Pay in advance: If you have some money burning a hole in your pocket, you can pay your premiums up-front. by paying for 12 or 18 months now, you'll lock in today's rates for a year or more. Talk to your health fund for details.
Of course, you can do any or all of these. There's no reason you couldn't find a better policy from a new provider and pay a year up-front.
Price increase for each health fund
You can find out how much your health fund is increasing premiums in 2025 in the table below. Most of the major funds are increase prices much more than the average.
| Health Fund | Average increase |
|---|---|
| ACA | 3.16% |
| AIA | 5.70% |
| Australian Unity | 4.89% |
| BUPA | 5.10% |
| CBHS Health Fund | 2.84% |
| Defence Health | 3.30% |
| Doctors' Health | 3.48% |
| GMHBA | 2.44% |
| HBF | 2.80% |
| HCI | 2.94% |
| HIF | 1.91% |
| Health Partners | 3.43% |
| HCF | 4.95% |
| Hunter Health | 2.93% |
| Latrobe Health | 2.89% |
| Medibank (including ahm) | 3.99% |
| Mildura | 3.69% |
| onemedifund | 2.94% |
| Navy Health | 2.85% |
| NIB (including sub brands, eg Qantas) | 5.79% |
| Peoplecare | 3.54% |
| Phoenix Health | 2.43% |
| Police Health | 9.56% |
| Queensland Teachers' Union | 3.45% |
| Reserve Bank Health Society | 3.17% |
| St Luke's | 2.88% |
| Teachers Health | 2.94% |
| Westfund | 3.40% |
| Industry Average | 3.73% |
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