Correct, I do not already have any private health insurance.
Work full-time, but am nowhere near the $90,000 Medicare threshold though. Am 23, don't wear glasses or need physio (although am just dipping my toes into the gym life so maybe I should plan for that?).You really should have insurance if your income is anywhere approaching the Medicare levy threshold or you’re near 30. Otherwise, maybe paying full price for a one-off visit is going to be cheaper over the course of a year than the insurance plus extras.
Insurance with basic extras is worth it if you wear glasses, need dental or ever need physio, but don’t fall for the extras that give you “free” massages and whatnot. They almost always have limits on them that mean that it’ll be cheaper for you to just pay for the massages full price.
Thought I'd ask before looking at plans in case anyone had any definitive or salient arguments for/against :) also unsure how the whole insurance system 'works', but I can figure that out myself.