ahm Tax Statement Australia 2025: How to Find It and Use It in Your Tax Return

If you're an ahm health insurance member, you'll receive a private health insurance tax statement each year after 30 June. This document is required by law and contains the information you need to complete the private health insurance section of your Australian tax return. Whether you're using myTax or a tax agent, getting these details right matters — it affects your government rebate entitlement and can determine whether you owe the Medicare Levy Surcharge. This guide explains everything you need to know about your ahm tax statement for FY 2025-26.

What Is the ahm Tax Statement?

Your ahm tax statement — officially called a private health insurance statement — is an annual document that summarises your health cover for the financial year (1 July to 30 June). ahm is required by the ATO to issue this statement to all members, and you need to report the information it contains in your tax return every year you hold private health insurance.

The statement is not a bill or receipt for your premiums. It's a reconciliation document that shows what you paid, what government rebate was applied to your policy throughout the year, and how many days you held cover. The ATO uses this to check your rebate entitlement against your actual income and to confirm whether you're exempt from the Medicare Levy Surcharge.

ahm is a health insurer owned by Medibank — but it operates as a separate brand with its own policies and member portal. If you hold an ahm policy, you'll receive an ahm tax statement (not a Medibank one), even though the two insurers are related.

What Does the ahm Tax Statement Include?

Your ahm tax statement contains several fields that you'll enter directly into your tax return. Here's what each one means and why it matters:

The four key numbers you'll actually enter into your tax return are: days of cover, benefit code, premiums paid, and government rebate received. Make sure these match your statement exactly — the ATO cross-checks this data with what ahm reports directly to them.

The Private Health Insurance Rebate: How It Works with ahm

The Australian government's Private Health Insurance Rebate helps reduce the cost of your ahm cover. Most members receive this rebate as a reduction in their monthly or annual premium — so you pay less upfront because the government contributes a portion. This is the default option and is called taking the rebate "as a premium reduction".

Alternatively, you can elect to receive the full rebate as a lump sum at tax time. Either way, the ATO reconciles the correct amount at the end of the year using your ahm tax statement and your actual income.

The rebate percentage is means-tested — it decreases as your income rises and disappears entirely above the top income threshold. In FY 2025-26, the income tiers for singles are:

Note: Rebate percentages are indexed annually. Check ato.gov.au for the exact rates applicable to FY 2025-26.

If your actual income at tax time is higher than you told ahm at the start of the year (which set the rebate level applied to your premiums), you'll need to repay some of the rebate through your tax return. If your income turned out to be lower, you may receive an additional rebate as a tax offset.

How to Use Your ahm Tax Statement in Your Tax Return

Entering your ahm health insurance details into your tax return is straightforward once you have your statement in front of you. Here's how to do it using myTax (the ATO's online system) or through a tax agent:

In many cases, myTax will automatically pre-fill your private health insurance details using data that ahm supplies directly to the ATO. Always verify the pre-filled information against your actual tax statement before lodging — don't assume it's correct without checking. Errors in pre-fill data do occur and you're responsible for the accuracy of your return.

ahm Tax Statement and the Medicare Levy Surcharge

Your ahm tax statement is also central to determining whether you're liable for the Medicare Levy Surcharge (MLS). The MLS is an additional tax — on top of the standard 2% Medicare Levy — that applies to higher-income earners who don't maintain an eligible hospital cover policy for the full year.

In FY 2025-26, the MLS applies if your income exceeds $101,000 (for singles) and you lacked continuous hospital cover. The surcharge rates are:

• $101,001 – $118,000: 1.0% MLS on your total taxable income
• $118,001 – $158,000: 1.25% MLS on your total taxable income
• $158,001+: 1.5% MLS on your total taxable income

Your ahm tax statement — specifically the days of cover field and the benefit code confirming you hold hospital cover — is what proves to the ATO that you held an eligible hospital policy. If you had ahm hospital cover for the full 365 days, you're fully exempt from the MLS. If there was a gap in your cover (for example, between cancelling one policy and starting another), you may owe MLS for those uncovered days.

Note that extras-only cover (dental, optical, physio, etc.) does not exempt you from the MLS. You must hold a compliant hospital policy to avoid the surcharge. Check your benefit code on the ahm statement — hospital cover typically appears as benefit codes "X" or "S" depending on the policy type.

Use our Medicare Levy Calculator to estimate your MLS exposure, or our Take-Home Pay Calculator to see your full tax position including all Medicare obligations.

What If You Can't Find Your ahm Tax Statement?

If you haven't received your ahm tax statement or can't locate it, don't panic — here's how to find it:

• Check your email inbox and spam/junk folder — ahm sends statements electronically to members who've registered for digital communications
• Log in to ahm.com.au → My Account → Documents or Tax Statement — you can download previous years' statements here too
• Check myTax pre-fill — the ATO often receives your data directly from ahm. Wait until late July before expecting pre-fill data to appear, then check in myTax
• Call ahm member services on 13 24 66 — they can resend your statement by email or confirm the key details over the phone
• Verify your registered address and email — if you've moved or changed email addresses and not updated your details with ahm, your statement may have gone astray

Don't lodge your tax return with missing or incorrect private health insurance details. A wrong entry can lead to an incorrect rebate calculation, an ATO audit flag, or an unexpected bill later. If you're unsure, wait for your statement before lodging.

Quick Summary: ahm Tax Statement Checklist

• Your ahm tax statement arrives in July–August each year by email or post
• It contains your membership number, days of cover, benefit code, premiums paid, and government rebate received
• Use it to complete the Private Health Insurance section in myTax or your tax agent's software
• If your income changed during the year, the ATO will reconcile your rebate — you may get more back or owe some rebate
• The days of cover field confirms you held hospital cover and may exempt you from the Medicare Levy Surcharge
• Extras-only cover does not exempt you from the MLS — you need a complying hospital policy
• If you can't find your statement, download it from ahm.com.au or check myTax pre-fill data

Your ahm tax statement is just one piece of the tax-time puzzle. Use our free Australian tax calculators to understand your full tax position for FY 2025-26:

• Take-Home Pay Calculator — see your net pay after tax, Medicare, and super
• Medicare Levy Calculator — estimate your 2% levy and check if the MLS applies to you
• Income Tax Calculator — understand your tax bracket and offsets like LITO for FY 2025-26
• Superannuation Calculator — project your super balance with current SGC rates
• HECS-HELP Calculator — estimate your study loan repayments under the FY 2025-26 rules
• Salary Sacrifice Calculator — see how pre-tax super contributions affect your taxable income