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% |
More resources on Finder
Ask a question
More guides on Finder
-
Finder Rewards AHM Health Insurance Switching Promotion – June 2026 – Terms & Conditions
Finder is giving eligible customers a $300 digital Visa card when they switch their health insurance to Medibank
-
What is private health insurance?
Private health insurance provides coverage beyond Medicare. It can make in-hospital healthcare more convenient and everyday healthcare costs more affordable. Learn more.
-
Medicare levy surcharge – don’t get caught out!
Don’t have private hospital cover? You could be paying more tax than you need to, due to the Medicare Levy Surcharge.
-
ahm health insurance review
ahm offers a broad range of policies with affordable premiums, but if you’re looking for the lowest price possible, cheaper options are available.
-
How to switch health insurance: Step-by-step
This guide looks at the reasons people switch, and what it means for your waiting periods. You can also compare new options with over 30 Australian health funds.
-
Do I need private health insurance in Australia?
Australians don’t need private health insurance. However, a health insurance policy can cover some treatments that Medicare does not. You’ll also get faster treatment, plus tax benefits.
-
Ambulance cover in Australia
Get affordable cover for ambulance transport if you are not already covered under Medicare. Compare quotes from Australian funds to decide which level of protection is best for you.
-
Health insurance waiting periods
It's not possible to skip waiting periods for health insurance but there are exceptions.
-
Health insurance deals and offers for June 2026
Find out about the latest health insurance deals and special promotions.
-
Cheapest health insurance in Australia June 2026
Learn how to get cheap health insurance and what you can expect for your money.