The Finance Algorithm

Every health insurer.

Each registered insurer, the open policies it files with the government, and how many of its older policies are closed to new members. 34 insurers are in the October 2026 data and 33 sell policies; 9 only take members of particular professions, employers or communities.

Of the funds anyone can join, ahm has the cheapest hospital policy for a single, from $39.30 a month before the rebate. Health Partners sells the most policies to new members, 158. Between them the funds keep 1,065 older policies going for existing members only. To compare what each fund's extras pay, see what extras pay back; for hospital cover, the hospital explorer.

Where each fund's hospital cover starts

One dot per fund anyone can join, at its cheapest single hospital policy in any state, before the rebate. Hover or tap a dot for its name.

InsurerMembershipHospitalHospital + extrasExtrasClosedSingle hospital from
ACA HealthRestrictedSeventh-day Adventist Church employees, Local Church Officers and their families.52020-
ahmAnyone1651922$39.30
AIA HealthAlso MyOwnAnyone1594362$69.06
Australian UnityAnyone148929$74.75
BupaAnyone3574789$60.65
CBHS Corporate HealthAnyone0000-
CBHS HealthRestrictedcurrent and past employees of Commonwealth Bank Group, franchisees, contractors, and their families.61417-
Defence HealthRestrictedcurrent or former members of the ADF and the Defence community and their families.20294-
Doctors' Health FundRestrictedMedical and allied health professionals, their families, medical students and AMA employees.3735-
GMHBAAlso Frank Health InsuranceAnyone1701998$50.00
GU HealthAnyone5942465-
HBFAnyone2001025$53.01
HCFAnyone15419107$40.95
HCiAnyone514018$83.81
Health PartnersAnyone61262616$73.15
HIFAnyone5599$61.95
Hunter Health InsuranceAlso HHI, Hunter Health InsuranceAnyone530612$153.90
Latrobe Health ServicesAlso Federation HealthAnyone1011036$97.55
MedibankAnyone2823766$55.25
Mildura Health FundAnyone4062$158.45
Navy HealthRestrictedCover for the ADF community - serving, ex-serving ADF, employees of contractors to ADF and families.51638-
nibAlso AAMI Health Insurance, Apia Health Insurance, GU Health Insurance, ING Health Insurance, Priceline Health Insurance, Qantas Insurance, Real Health Insurance, Seniors Health Insurance, Suncorp Health InsuranceAnyone5657345$54.80
onemedifundAnyone0108-
PeoplecareAnyone434588$119.07
Phoenix Health FundAnyone624169$52.28
Police HealthRestrictedMembers of Australia’s police community, and their families.1110-
Queensland Country Health FundAlso Territory Health FundAnyone520266$54.88
Reserve Bank Health SocietyRestrictedCurrent & former employees of the Reserve Bank.2210-
RT HealthAnyone5151191$51.17
see-u by HBFAnyone70429$40.00
St Lukes HealthAlso Astute Simplicity HealthAnyone1015721$100.50
Teachers HealthAlso Nurses & Midwives Health, TUH, UniHealth, Union HealthRestrictededucation union members and their families4242-
TUHAlso Union HealthRestrictedcurrent or former union members and their families.104126-
WestfundAnyone3123510$57.55

Counts are policies open to new members; closed counts are older policies existing members can keep. "Single hospital from" is the cheapest hospital-only policy anyone can join, in any state, before the rebate; it is blank for insurers whose hospital policies are all corporate or tied to other cover, and for those that restrict membership.

Source: PrivateHealth.gov.au data (Private Health Insurance Ombudsman) via data.gov.au, licensed CC BY 3.0 AU. Normalised by The Finance Algorithm from the extract dated 1 Oct 2026, read on 23 Oct 2026.

Premiums are monthly and shown before the Australian Government rebate and any Lifetime Health Cover loading or age-based discount. Confirm the price and the cover with the insurer before you buy; the official statement for every policy is on PrivateHealth.gov.au. This is general information, not advice, and no insurer pays to be listed or ranked here.