Tax & hospital cover

The Medicare Levy Surcharge (MLS) could be costing you extra in tax. Join ahm hospital cover and you could save on the surcharge – simple.

How much extra tax could you be paying?

The MLS is applicable to Australian taxpayers who earn above a certain annual income and who don’t have an appropriate level of private hospital cover for themselves and all their dependants (learn more about ‘income’ and ‘dependants’ that have special meanings for MLS purposes(opens in a new tab)).

For singles, the income threshold is $90,000. For couples, families and single parents the combined income threshold is $180,000, with this threshold increasing by $1,500 for each MLS dependent child after the first child. Depending on your income over a full financial year, the MLS can be 1%, 1.25% or 1.5% on top of your annual income.

If you’re a


and earning


Good news, looks like you might not have to pay the MLS!

This is a guide only. It is based on the income you have selected and assumes you have no dependants^. You should speak to a financial advisor who will be able to take into account your income and personal situation, including any changes that occur during a tax year.

^ ‘Income’ and ‘dependants’ have special meanings for MLS purposes(opens in a new tab)

Having hospital cover is still a great idea.

Get started with…


starter basic

Just for accidents, just in case.

View cover
Basic plus

essentials basic plus

Basic hospital essentials with some handy services.

View cover

starter bronze

Your bronze category cover starts here, with some important services.

View cover

*Price is for single cover in NSW paying weekly by direct debit. Price reduced by an Australian Government Rebate of 24.608% (based on an age of under 65 years old, single income of $90,000 or less per year). Hospital price includes an excess of $750, excludes any Youth Discount and excludes Lifetime Health Cover loading.

Also interested in extras cover?View hospital & extras cover

Other ways you could save with health insurance