Medicare Levy Surcharge Calculator
Estimate the Medicare Levy Surcharge payable in Australia if you earn above the income thresholds and do not hold private hospital cover.
Your results
Calculation breakdown
- Tier lookup
- Rate rises through 1.0% / 1.25% / 1.5% as income passes each tier threshold
- Surcharge
- Surcharge = income for surcharge purposes × tier rate
Worked example
A single person earning $110,000 with no private hospital cover sits in Tier 1 (over $97,000), attracting a 1% surcharge of about $1,100 on top of the standard Medicare levy.
Assumptions
- Income tier thresholds are editable inputs because the ATO indexes them periodically — confirm current figures before relying on results.
- Family thresholds are approximated by doubling the single thresholds; actual family thresholds increase further per dependent child.
Sources
How this calculator works
This calculator estimates the Medicare Levy Surcharge, an extra charge on higher-income Australians who do not have private hospital cover. Enter your income for surcharge purposes, your family status and hospital cover status; the income tier thresholds and rates are editable so you can match the current ATO tiers.
Rates sourced from the Australian Taxation Office for the 2026–27 financial year. Last reviewed 01/07/2026.
Frequently asked questions
Who pays the Medicare Levy Surcharge?
Higher-income earners without private hospital cover pay the surcharge on top of the standard Medicare levy.
Why are the thresholds editable?
Income tier thresholds are set by the ATO and indexed periodically, so they are exposed as inputs to keep this calculator accurate over time.
Does extras cover count as hospital cover?
No, only an appropriate level of private hospital cover exempts you from the surcharge; extras-only cover does not count.
Rates and thresholds are configured for the 2026–27 Australian financial year and should be reviewed when government settings change.