Money Back Australia

Private Health LHC + MLS calculator

See your Medicare Levy Surcharge and Lifetime Health Cover loading for FY26, calculated from current ATO and APRA rules.

Educational tool. Not financial advice.

Your age

35

18

80+

Household

Your income for FY26

Taxable income plus reportable fringe benefits, super contributions, investment and foreign income.

A$

Do you currently hold private hospital cover?

State

Used later to list insurers available where you live — it doesn't change your MLS or LHC.