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Mark_H(Newbie)Newbie
13 July 2024

My wife and I have separae health insurance. Both policies are suited to our income so that we dont have to pay the Medicare Levy Surcharge.


When lodging her tax return and inserting my income, it significantly changes her return.


This reflects in the 'excess private health insurance premium reduction or refund' section in the calculation breakdown.


Is there a way to show that we both have separate private health policies so my income does not impact her return?


Thanks

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866 views
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TobyJDodd(Devotee)Registered Tax Professional
13 July 2024

Hi @Mark_H


No, the private health insurance rebate is income tested.


Since you’re married, you and your wife are tested against the family income test.


The fact you have seperate private health insurance policies is not relevant.


https://www.ato.gov.au/individuals-and-families/medicare-and-private-health-insurance/private-health-insurance-rebate/income-thresholds-and-rates-for-the-private-health-insurance-rebate#Familyincomethresholds


Toby




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Most helpful reply

TobyJDodd(Devotee)Registered Tax Professional
13 July 2024

Hi @Mark_H


No, the private health insurance rebate is income tested.


Since you’re married, you and your wife are tested against the family income test.


The fact you have seperate private health insurance policies is not relevant.


https://www.ato.gov.au/individuals-and-families/medicare-and-private-health-insurance/private-health-insurance-rebate/income-thresholds-and-rates-for-the-private-health-insurance-rebate#Familyincomethresholds


Toby




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