{"id":"F2025L00898","name":"Private Health Insurance (Levy Administration) Rules 2025","slug":"private-health-insurance-levy-administration-rules-2025","collection":"legislative_instrument","jurisdiction":"commonwealth","status":"in_force","isInForce":true,"actNumber":null,"makingDate":null,"administeringDepartment":null,"currentVersion":{"id":442912,"registerId":"F2025L00898-fast-fetch-1775957824094","compilationNumber":null,"startDate":"2026-04-12","status":"InForce","reasons":null,"registeredAt":null},"sections":[{"sectionNumber":"1","sectionType":"section","heading":"Private Health Insurance (Levy Administration) Rules 2025","content":"---\nmeta-content-style-type: text/css\nmeta-content-type: application/xhtml+xml; charset=utf-8\n---\n\n?xml version=\"1.0\" encoding=\"utf-8\" standalone=\"no\"?>\n\n![Commonwealth Coat of Arms of Australia](image.001.jpeg)\n\n \n\nPrivate Health Insurance (Levy Administration) Rules 2025\n\nI, Paul McBride, delegate of the Minister for Health and Ageing, make the following rules.\n\nDated, 30 July 2025 \n\n \n\n \n\nPaul McBride \n\nAssistant Secretary   Private Health Strategy Branch   Health Systems Strategy Division    Strategy and First Nations Group   Department of Health, Disability and Ageing\n\n \n\n \n\n \n\n \n\n\n\n\nContents\n\n1  Name...................................................1\n\n2  Commencement............................................1\n\n3  Authority................................................1\n\n4  Definitions...............................................1\n\n5  Schedules................................................2\n\n6  Complaints levy............................................2\n\n7  Risk equalisation levy.........................................2\n\n8  National joint replacement register levy..............................2\n\n9  Medical devices and human tissue products levy.........................2\n\n10  Rate of late payment penalty....................................2\n\nSchedule 1—Repeals 3\n\nPrivate Health Insurance (Levy Administration) Rules 2015 3\n\n \n\n1  Name\n\nThis instrument is the Private Health Insurance (Levy Administration) Rules 2025.\n\n2  Commencement\n\n1.     Each provision of this instrument specified in column 1 of the table commences, or is taken to have commenced, in accordance with column 2 of the table. Any other statement in column 2 has effect according to its terms.\n\n\n \n\n- Commencement information\n- Column 1 Column 2 Column 3\n- Provisions Commencement Date/Details\n- 1. The whole of this instrument The day after this instrument is registered\n\n\nNote:  This table relates only to the provisions of this instrument as originally made. It will not be amended to deal with any later amendments of this instrument.\n\n1.     Any information in column 3 of the table is not part of this instrument. Information may be inserted in this column, or information in it may be edited, in any published version of this instrument\n\n\n3  Authority\n\nThis instrument is made under the Private Health Insurance Act 2007.\n\n4  Definitions\n\nNote: A number of expressions used in this instrument are defined in the Act, including the following:\n\n(a) complaints levy;\n\n(b) late payment penalty;\n\n(c) medical devices and human tissue products levy;\n\n(d) national joint replacement register levy;\n\n(e) risk equalisation levy.\n\nIn this instrument:\n\nAct means the Private Health Insurance Act 2007.\n\ncomplaints levy day has the meaning given by the Private Health Insurance (Complaints Levy) Act 1995.\n\nlisted item has the meaning given as a levy imposition day for the purposes of subsection 4.\n\n5  Schedules\n\nEach instrument that is specified in a Schedule to this instrument is amended or repealed as set out in the applicable items in the Schedule concerned, and any other item in a Schedule to this instrument has effect according to its terms.\n\n6  Complaints levy \n\nFor paragraph 307-1 (1) (b) of the Act, the payment day for complaints levy imposed on a complaints levy day is the 31 December immediately after the complaints levy day.\n\n7  Risk equalisation levy\n\nFor paragraph 307-1 (1) (b) of the Act, the payment day for risk equalisation levy imposed on a risk equalisation levy day is 14 days after that day.\n\n Note: Risk equalisation levy is imposed on the 21st day of the second month of each quarter ending on the last day of March, June, September or December in a financial year.\n\n8  National joint replacement register levy\n\nFor paragraph 307-1 (1) (b) of the Act, the payment day for national joint replacement register levy imposed on a national joint replacement register levy day is 21 days after that day.\n\nNote:  The Private Health Insurance (National Joint Replacement Register Levy) Rule 2015 specifies the national joint replacement register levy imposition day.\n\n9  Medical devices and human tissue products levy\n\n1.     For subsection 307-30(2) of the Act, medical devices and human tissue products levy imposed for a financial year in relation to a listed item is payable by the person mentioned for the listed item in Schedule 1 to the Private Health Insurance (Medical Devices and Human Tissue Products) Rules in force on the medical devices and human tissue products levy imposition day in respect of that financial year.\n2.     For paragraph 307-1(1)(b) of the Act, the payment day for medical devices and human tissue products levy imposed on a medical devices and human tissue products levy imposition day is 28 days after that day.\n\n\nNote: The Private Health Insurance (Medical Devices and Human Tissue Products Levy) Rules 2025 specify the medical devices and human tissue products levy imposition day.\n\n10  Rate of late payment penalty\n\nFor paragraph 307-5 (2) (a) of the Act, the rate of late payment penalty is 15% per year.\n\n\n\n\nSchedule 1—Repeals\n\nPrivate Health Insurance (Levy Administration) Rules 2015\n\n1  The whole of the instrument\n\nRepeal the instrument Private Health Insurance (Levy Administration) Rules 2015.\n\n \n\n \n","sortOrder":0}],"analysis":{"flash_summary_failed":{"failed":true,"reason":"Unauthenticated. Configure AI_GATEWAY_API_KEY or use a provider module. Learn more: https://ai-sdk.dev/unauthenticated-ai-gateway","source":"analysis-cron"},"kimi_summary":{"content_quality":"ok","complexity_score":2,"scope_assessment":{"changed":false,"description":"The legislation maintains its original narrow administrative purpose: setting payment dates for specific levies and the late payment penalty rate. The 2025 version appears to be a straightforward re-enactment of the 2015 rules with no expansion into new policy areas. The scope remains tightly focused on levy administration mechanics."},"complexity_factors":["Very short instrument (only 10 substantive sections plus a repeal schedule)","Minimal defined terms (only 2 definitions in section 4, plus references to defined terms in the parent Act)","No nested exceptions or conditional logic - each levy has a straightforward payment date calculation","Simple cross-referencing to parent Act (Private Health Insurance Act 2007) for core definitions","Single repeal provision in Schedule 1 with no complex transitional arrangements"],"plain_english_summary":"This instrument replaces the 2015 administrative rules with updated 2025 rules that set firm payment deadlines for four statutory levies on private health insurers and impose a 15% annual penalty interest for late payments. It affects Australian private health insurers’ billing and cashflow practices and matters because the levies fund regulatory, safety and cost‑sharing functions in the private health system and create a strong incentive to meet the new timing rules."},"flash_summary":{"complexity_score":3,"scope_assessment":{"changed":true,"description":"The instrument repeals the Private Health Insurance (Levy Administration) Rules 2015 and replaces administrative settings by specifying payment days and a 15% p.a. late penalty (Schedule 1; ss6–10). That repeal plus explicit payment schedules alters the prior administrative rule set; operational scope therefore shifts from the 2015 text to the new timing and penalty framework, affecting liable parties' payment and compliance obligations."},"complexity_factors":["Multiple distinct levies with different payment timetables to track (complaints, risk equalisation, national joint replacement register, medical devices/human tissue) (ss6–9).","Cross‑references to the Private Health Insurance Act 2007 and several separate levy Rules for imposition days and liability (ss3,4,8,9 notes).","Reliance on defined terms and external schedules (e.g. 'complaints levy day', 'listed item', Schedule 1 to separate Medical Devices Rules) increases interpretive steps (s4, s9(1)).","Repeal of the 2015 Rules means administrators must map prior arrangements to the new instrument (Schedule 1).","Delegated instrument made by a departmental delegate rather than Minister (instrument header), affecting administrative decision chain."],"plain_english_summary":"These Rules set when private health insurance levies must be paid, who pays one listed levy, the rate of the late‑payment penalty, and repeal the 2015 levy administration rules. They fix payment days for the complaints, risk equalisation, national joint replacement register, and medical devices and human tissue levies and set the late payment penalty at 15% per year (ss6–10; Schedule 1). The instrument affects private health insurers and any persons named as liable for the medical devices levy and changes their cashflow and compliance timing."}},"importantCases":[],"_links":{"self":"/api/acts/private-health-insurance-levy-administration-rules-2025","history":"/api/acts/private-health-insurance-levy-administration-rules-2025/history","analysis":"/api/acts/private-health-insurance-levy-administration-rules-2025/analysis","conflicts":"/api/acts/private-health-insurance-levy-administration-rules-2025/conflicts","importantCases":"/api/acts/private-health-insurance-levy-administration-rules-2025/important-cases","documents":"/api/acts/private-health-insurance-levy-administration-rules-2025/documents"}}