In 2025 health insurance prices will go up by an average of 3.73%. However, the average increase varies a log between funds:
Is your provider significantly increasing its premiums?
Get ahead of the increase. Now is a good time to compare health insurance policies and switch.
You can find out how much your health fund is increasing premiums in 2025 in the table below. Remember each of these figures are also averages in themselves - each policy is separately priced. For for example, Medibank's 3.99% increase is the average increase across all ahm and Medibank policies. We'll get the policy-by-policy information in early April, so check back then or call your health fund to find out more.
Health Fund | 2025 |
|---|---|
ACA | 3.16% |
AIA | 5.70% |
Australian Unity | 4.89% |
BUPA | 5.10% |
CBHS Corporate | 3.90% |
CBHS | 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 partner funds) | 5.79% |
Peoplecare | 3.54% |
Phoenix Health | 2.43% |
Police Health | 9.56% |
Queensland Teachers' Union Health Fund | 3.45% |
Reserve Bank Health Society | 3.17% |
St Luke's | 2.88% |
Teachers Health | 2.94% |
Westfund | 3.40% |
Industry Average | 3.73% |
"The increase of 3.73% in 2025 will be pitched as both 'A MASSIVE win for Aussie BATTLERS' as well as 'The WORST this the government could do!'. It's an election year, and statistics can be spun into many different tapestries.
Here are a few hard facts that might help you make sense of the noise:
It's up to you to decide whether you think it's a big rise or not, because only you know how big an impact it's going to make on your personal finances."
The price of health insurance goes up each year mostly because of inflation. Everything gets more expensive over time in an economy that optimises for growth. However, health insurance rises have historically gone up more than inflation, for reason that include:
Corporate greed might also play a part! However, Australia has a highly regulated health insurance sector, so we have it better than most. Don't get me wrong, the rich will always find ways to get richer, but it's only one part of why health insurance is so expensive in this country. Of course if this is something you care about, check out the not-for-profit funds that are out there!
Health insurance premiums increase by a different rate every year. The table below shows the annual averages since 2015.
Health Fund | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
ACA | 3.94% | 3.54% | 2.59% | 3.92% | 3.18% | 3.16% |
AIA | 5.63% | 1.62% | 2.80% | 1.69% | 2.19% | 5.70% |
Australian Unity | 2.79% | 1.99% | 2.73% | 3.76% | 1.42% | 4.89% |
BUPA | 3.26% | 3.21% | 3.18% | 3.39% | 3.61% | 5.10% |
CBHS Corporate | 2.37% | 5.47% | 5.33% | 5.38% | 5.82% | 3.90% |
CBHS | 3.91% | 4.26% | 2.91% | 4.46% | 4.51% | 2.84% |
CUA (now part of hbf) | 3.99% | 2.99% | 3.42% | - | - | - |
Defence Health | 3.49% | 3.93% | 3.33% | 3.48% | 1.00% | 3.30% |
Doctors' Health | 3.29% | 2.85% | 2.28% | 2.15% | 2.79% | 3.48% |
GMHBA | 3.34% | 3.24% | 3.10% | 2.33% | 2.91% | 2.44% |
HBF | 1.98% | 0.94% | 3.62% | 4.49% | 3.95% | 2.80% |
HCI | 3.75% | 2.91% | 1.09% | -0.09% | 0.27% | 2.94% |
HIF | 5.58% | 3.78% | 3.20% | 3.10% | 3.87% | 1.91% |
Health Partners | 2.77% | 3.35% | 3.15% | 2.93% | 1.93% | 3.43% |
health.com.au (now part of GMHBA) | 3.94% | 0.83% | - | - | - | - |
HCF | 3.39% | 2.95% | 2.72% | 3.33% | 2.89% | 4.95% |
Hunter Health | 3.96% | 4.14% | 3.77% | 3.93% | 3.32% | 2.93% |
Latrobe Health | 3.49% | 3.42% | 3.41% | 2.15% | 3.04% | 2.89% |
Medibank (including ahm) | 3.27% | 3.25% | 3.10% | 2.96% | 3.31% | 3.99% |
Mildura | 4.68% | 4.07% | 2.90% | 2.48% | 2.14% | 3.69% |
onemedifund | 2.99% | 3.56% | 3.24% | 2.86% | 3.41% | 2.94% |
Navy Health | 3.49% | 3.46% | 3.25% | 2.94% | 3.10% | 2.85% |
nib (including partner funds) | 2.90% | 4.36% | 2.66% | 2.72% | 4.10% | 5.79% |
Nurses & Midwives (now part of Teachers) | 3.74% | 3.38% | - | - | - | - |
Peoplecare | 3.48% | 3.90% | 3.27% | 2.79% | 1.63% | 3.54% |
Phoenix Health | 3.10% | 3.47% | 3.16% | 3.66% | 3.72% | 2.43% |
Police Health | 3.14% | 3.10% | 1.79% | 0.00% | 3.01% | 9.56% |
Queensland Country Health Fund | 3.55% | 4.43% | 3.34% | 3.17% | 2.53% | - |
Queensland Teachers' Union Health Fund | 2.66% | 1.11% | 2.26% | 0.81% | 1.96% | 3.45% |
Railway & Transport Health Fund | 2.91% | 3.19% | - | - | - | - |
Reserve Bank Health Society | 3.08% | 3.74% | 3.74% | 3.18% | 2.97% | 3.17% |
St Luke's | 2.90% | 0.50% | 3.19% | 2.86% | 3.20% | 2.88% |
Teachers Health | 3.24% | 2.88% | 2.17% | 2.50% | 2.65% | 2.94% |
Transport Health | 2.59% | 2.61% | 1.16% | 2.49% | - | |
Westfund | 4.32% | 4.30% | 2.40% | 2.65% | 2.82% | 3.40% |
Industry Average | 2.92% | 2.74% | 2.70% | 2.90% | 3.03% | 3.73% |
Just to be clear, your health premiums are going to go up. No health fund is going backwards this year (although it has actually happened in this past, for weird reasons).
You'll be notified by your health fund exactly how much your premiums will change around a month before they do. For most Aussies, that should be around the start of March. Keep an eye on your email inbox.
If you're not happy with the rise, the best way to save is to compare the policies that are on the market and see if there's a better deal for you.
You can't avoid the price increase directly, but there are still some ways you can save money on your health insurance. Reviewing your cover and paying in advance are your main options, but there are different ways to go about each.
First and foremost, make sure your health insurance still covers everything you need it to, and nothing you don't. If you haven't checked your policy for a while, you might find that you can downgrade or move to a better value policy.
You can also switch health funds, maybe for a better ongoing price, but also to score a new sign-up discount. All of your already-served waiting periods for hospital cover will be honoured, and most funds will do the same for extras, so it's often a great option.
The other way to avoid the price increase - at least for a while - is to pay upfront. Most insurance companies will let you lock in today's prices if you pay for 12 or 18 months cover as a lump sum.
The big downside of this approach is that you have to have the money now, and will have to just do without it for the next 12 months. Not everyone has that kind of flexibility. But if you do have the money, and if your fund is jacking up prices more than the other funds, then it might be worth it.
Read more about paying health insurance in advance here.
"I switched from AIA to Bupa and saved myself over $250 per year. I realised I was paying for an Extras policy I barely used and could get what I wanted from a Basic Plus hospital policy, rather than paying for Bronze. It was a pretty easy process and now I have more cash in my pocket - win win."
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