Most people I know only have PHI because of the tax incentives, and that's not a coincidence. The value of insurance in a society with excellent public healthcare is questionable
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Also, most people don't realize that private health insurance literally CAN'T cover most common health stuff (GP, pathology etc) in Australia. It's forbidden by law
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ambulance insurance is affordable and essential
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Depends on state
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The only reason I have it is that it’s cheaper than the extra tax I’d otherwise have to pay. Any millennial who doesn’t earn enough won’t be getting it. And the more expensive it gets the more will drop out.
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Both my wife and I got the "if you don't get private health insurance you'll pay more tax" letter from the government before our 31st birthdays - and just threw it in the bin.
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