Free · No signup · Private
Medicare Levy Surcharge Calculator 2026-27
Free Medicare levy surcharge calculator for 2026-27: singles from $105,000 and families from $210,000 pay 1%, 1.25% or 1.5% without private hospital cover. Compare the surcharge with the cost of basic cover.
Your income for MLS purposes
Medicare levy surcharge
$1,150
| Your tier | Tier 1 |
| Surcharge rate | 1% |
| Surcharge without cover | $1,150 |
2026-27 thresholds
| Singles: base / tier 1 / 2 / 3 | ≤ $105,000 / to $123,000 / to $164,000 / above |
| Families: base / tier 1 / 2 / 3 | ≤ $210,000 / to $246,000 / to $328,000 / above |
| Rates | 0% / 1% / 1.25% / 1.5% |
Family thresholds rise by $1,500 for each dependent child after the first. The surcharge is on top of the 2% Medicare levy.
Rules last checked October 2026. Part-year cover is pro-rated by the ATO; this shows a full year. Not legal, tax or financial advice. 🔒 Everything stays on your device.
✅ Rules last checked:
📚 Official sources: ATO: MLS income thresholds and rates
We build every tool from the official rules and re-check them when they change. Always confirm with the official source before you rely on a result.
🛠️ Spotted a mistake or an out-of-date rule? Tell us
Questions people ask
What are the MLS thresholds for 2026-27?+
Singles: $105,000, $123,000 and $164,000. Families: $210,000, $246,000 and $328,000, plus $1,500 for each child after the first.
How do I avoid the Medicare levy surcharge?+
Hold an appropriate private hospital policy for the whole year. Extras-only cover doesn't count.