Single parent health insurance in NSW / ACT
51 hospital policies from 10 funds, starting at $156/month. Every premium below is the rate the insurer has published with the Commonwealth for single parent cover in NSW / ACT — not an estimate.
Premiums are monthly at 100%, before the Australian Government Rebate, which reduces what most people actually pay based on age and income. Verified 1 August 2026 from PrivateHealth.gov.au open data. How we compare.
What each government tier costs
Hospital cover is graded into four government tiers (plus “Plus” variants that add cover above the minimum). Higher tiers must cover more clinical categories — Gold is the only tier required to cover pregnancy and birth.
| Tier | Cheapest | From | Range across funds |
|---|---|---|---|
| Gold | 🟠 Medibank | $387/mo | $387–$849 across 10 policies |
| Silver Plus | 🔴 HBF | $254/mo | $254–$306 across 10 policies |
| Silver | 🟤 GMHBA | $269/mo | $269–$303 across 2 policies |
| Bronze Plus | 🟠 Medibank | $182/mo | $182–$238 across 9 policies |
| Bronze | 🟤 GMHBA | $198/mo | $198–$226 across 5 policies |
| Basic Plus | 🟤 GMHBA | $167/mo | $167–$207 across 9 policies |
| Basic | 🟤 GMHBA | $156/mo | $156–$194 across 6 policies |