What's the best health insurance in WA?

There's not 'best' health insurance policy in WA, or in any other state, because everyone's needs are different. Your best bet is to comparing policies from multiple health funds and make up your own mind.

Is health insurance cheap in WA?

WA has some of the cheapest health insurance in Australia, beaten only by the NT. While Aussie health insurance policies are heavily regulated and priced fairly consistently, prices do vary a little by state .

Health Insurance WA

Who’s this health cover for?

54.3% of West Australians have hospital cover. 68% have extras cover.
WA residents are the most likely to have private health cover in the country.
The price of health insurance in WA is quite a bit lower than the national average.

The price of hospital insurance in WA

WA hospital premiums are a fair bit lower than the national average. Premiums are standardised by state though, so you'll pay the same whether you live in Perth, Pemberton or Port Hedland. Below are average monthly hospital premiums by tier for a single person earning less than $101,000 a year with a $750 excess. The numbers are based on the government databased in November 2025.

WA health insurance statistics

54.3% of West Australians have hospital cover, while 68% have extras cover. That makes WA residents the most covered in the country, by a pretty decent margin. See the table below for more details. These numbers come from APRA's quarterly health insurance statistics in June 2025.

	Hospital Cover	Extras cover
WA	54.3%	68%
Australia	45.4%	55.1%

	Hospital	Extras
Australia	45.4%	55.1%
NSW	46.8%	57.4%
VIC	42.9%	50.8%
QLD	41.6%	48.6%
SA	45.3%	59.7%
WA	54.3%	68.0%
TAS	42.4%	50.7%
ACT	53.5%	65.3%
NT	38.5%	43.3%

Compare health insurance policies in WA

The table below compares combined policies from Finder partners available in Western Australia. It includes policies with Bronze, Silver and Gold hospital cover. It's sorted by value using the Finder score algorithm our experts use for the Finder health insurance awards. Prices are for a single person earning less than $101,000 living in Perth, with a $750 excess - learn why this matters here.

How we calculate our Finder Score

The Finder Score ranks every health policy in our database on value for money. We updated this monthly with data provided by Ombudsman.

We consider the 38 hospital treatment categories, plus the covered extras categories and the total extras benefit. We also use the average price for each product. Here's the breakdown of factors we consider.

Factors that affect your health insurance premiums

There are several factors that will change the price of your health insurance premiums, whether you get hospital or extras cover. Here are the main ones to consider.

Private Health Insurance Rebate: The price of your policy can vary by over 25% due to rebate. It's mainly based on your age and income.
Lifetime Health Cover Loading: If you don't have hospital cover after age 31, a 2% loading will be added to the price each year you don't have it.
State: The cost of medical care is different in every state, and that's reflected in your premiums.
Policy Excess: A policy with a larger excess will have lower premiums, but you will have more out of pocket costs when you claim.

8 of 259 results

Name	Price
Bronze Hospital Plus $750/$1500 Excess + Flex 50 Bronze Plus$750 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +22 other treatments covered Extras General dental Major dental Optical Hearing aids +7 other treatments covered ENDS SOON! $500 VISA CARD REWARD 1 Join Finder 2 Buy HBF insurance 3 Get card from Finder Ends by. T&Cs apply. + Get up to 12 weeks FREE, plus up to $200 gift card. Available to new members who join by 9 December and maintain hospital and extras cover. T&Cs apply.	$124.15 per month	Go to Site View details Compare product selectionCompare	loading Fetching your data...
HCF HOSPITAL BRONZE PLUS $750 EXCESS + HCF VITAL EXTRAS Bronze Plus$750 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +22 other treatments covered Extras General dental Major dental Optical Hearing aids +10 other treatments covered Get loyalty rewards and discounts on e-Gift cards across Australian stores.	$131.84 per month	Go to Site View details Compare product selectionCompare	loading Fetching your data...
Silver Plus Essential Hospital $750 Excess + Freedom 50 Silver Plus$750 excess	Hospital Lung and chest Back neck and spine Cataracts Joint replacements +27 other treatments covered Extras General dental Major dental Optical Hearing aids +2 other treatments covered Join directly on eligible cover and get up to 8 weeks free. New members only. 8 weeks free applied over 2 years (3 years for annual payers). Ends 26 Nov. T&Cs apply.	$120.53 per month	Go to Site View details Compare product selectionCompare	loading Fetching your data...
HCF HOSPITAL BRONZE PLUS $750 EXCESS + HCF MID EXTRAS Bronze Plus$750 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +22 other treatments covered Extras General dental Major dental Optical Hearing aids +5 other treatments covered Get loyalty rewards and discounts on e-Gift cards across Australian stores.	$108.90 per month	Go to Site View details Compare product selectionCompare	loading Fetching your data...
Bronze Hospital Plus $750/$1500 Excess + Flex 60 Bronze Plus$750 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +22 other treatments covered Extras General dental Major dental Optical Hearing aids +7 other treatments covered ENDS SOON! $500 VISA CARD REWARD 1 Join Finder 2 Buy HBF insurance 3 Get card from Finder Ends by. T&Cs apply. + Get up to 12 weeks FREE, plus up to $200 gift card. Available to new members who join by 9 December and maintain hospital and extras cover. T&Cs apply.	$138.20 per month	Go to Site View details Compare product selectionCompare	loading Fetching your data...
HCF HOSPITAL BRONZE PLUS $750 EXCESS + HCF STARTER EXTRAS (WITH OPTICAL) Bronze Plus$750 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +22 other treatments covered Extras General dental Major dental Optical Hearing aids +4 other treatments covered Get loyalty rewards and discounts on e-Gift cards across Australian stores.	$91.98 per month	Go to Site View details Compare product selectionCompare	loading Fetching your data...
Bronze Hospital Plus $750/$1500 Excess + Complete 60 Bronze Plus$750 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +22 other treatments covered Extras General dental Major dental Optical Hearing aids +10 other treatments covered ENDS SOON! $500 VISA CARD REWARD 1 Join Finder 2 Buy HBF insurance 3 Get card from Finder Ends by. T&Cs apply. + Get up to 12 weeks FREE, plus up to $200 gift card. Available to new members who join by 9 December and maintain hospital and extras cover. T&Cs apply.	$148.69 per month	Go to Site View details Compare product selectionCompare	loading Fetching your data...
HCF HOSPITAL STANDARD SILVER PLUS + HCF STARTER EXTRAS (WITH OPTICAL) Silver Plus$750 excess	Hospital Lung and chest Back neck and spine Cataracts Joint replacements +27 other treatments covered Extras General dental Major dental Optical Hearing aids +4 other treatments covered Get loyalty rewards and discounts on e-Gift cards across Australian stores.	$111.35 per month	Go to Site View details Compare product selectionCompare	loading Fetching your data...

Showing 8 of 259 results

Frequently asked questions

Sources

Written by

Tim Bennett

Insurance expert

A seasoned journalist with over 10 years of experience in news, politics and finance reporting, Tim has previously held roles at the ABC, SBS and Fairfax Media. Tim’s expert insights have been quoted in The Australian, The Daily Telegraph, The Courier Mail and more. He regularly appears on TV and radio, and has been interviewed on 7 News, Sunrise, SBS News, ABC Local, 3AW and 5AA. Tim is passionate about simplifying complex insurance topics for Australian consumers. He holds a Bachelor of Arts (Politics) from Macquarie University and a Tier 1 General Insurance (General Advice) certification, which meets the requirements of ASIC Regulatory Guide 146 (RG146). If you’re interested in a media interview with Tim, please reach out to our PR team at aupr@finder.com. See full bio

Tim's expertise

Tim has written 161 Finder guides across topics including:

Personal finance
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Health insurance
General insurance
Life insurance

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Health Insurance WA

Health insurance varies by state, so West Aussies will pay different premiums than people over east. No matter which state you live in, it's important to compare policies to figure out which is best for you.