Consultation paper: Private health insurance reforms – second wave - December 2020

Closed 8 Feb 2021

Opened 17 Dec 2020


On 6 October 2020, the Australian Government announced the second wave of reforms to private health insurance with the aim of improving the affordability, value, and attractiveness of private health insurance, particularly for younger Australians [Budget Paper No.2 - Budget Measure: Supporting Our Hospitals — simpler and more affordable private health cover for all Australians].

The announcement outlined the Government’s decision to proceed with the reforms outlined in this consultation paper, however, more information is needed to finalise the policies, and to understand their impact on factors such as private health insurance (PHI) coverage and premiums.

Why we are consulting

The Department of Health invites feedback on the implementation of reform one below, and the development of reforms two to four:

  • Consultation One: Private Health Insurance – Increasing the age of dependents to encourage younger people and also people with a disability to maintain private health insurance.
  • Consultation Two: Private Health Insurance – Expanding home and community based rehabilitation care.
  • Consultation Three: Private Health Insurance – Expanding funding to at home and community based mental health care.
  • Consultation Four: Private Health Insurance – Applying greater rigour to certification for hospital admission.

The consultation paper contains a number of questions for consideration at the end of each section. These questions are intended as a guide. Respondents should not feel limited to only responding to these questions. The Department welcomes all feedback, including additional measures to address issues detailed in this paper.

Feedback on this paper is requested by 17:00 ACT local time, Monday, 8 February 2021 by email to:



  • Carers and guardians
  • Families
  • Parents
  • Young people
  • Academics
  • Non-government organisations
  • State government agencies
  • Health professionals
  • Health workforce
  • General public
  • Community groups


  • Health insurance