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Rising Out-of-Pocket Costs Challenge Australia's Universal Healthcare

Patients Australia Highlights Financial Barriers to Accessing Care

Rising Out-of-Pocket Costs Challenge Australia's Universal Healthcare?w=400

The information on this website is general in nature and does not take into account your objectives, financial situation, or needs. Consider seeking personal advice from a licensed adviser before acting on any information.

Patients Australia, in collaboration with La Trobe University, has released the 2025 Patient View Report, shedding light on the increasing financial burden faced by Australians seeking healthcare services.
The report indicates that 62% of patients incur out-of-pocket expenses when visiting their GP, with nearly half of these individuals paying an average gap fee of $51 or more.

Furthermore, the study reveals that almost three-quarters of patients pay out-of-pocket fees for specialist consultations, with two-fifths facing costs of $201 or more. Alarmingly, one in five patients reported skipping specialist appointments or declining treatment due to financial constraints.

The findings suggest a shift from a universal healthcare system to a 'user pays' model, where out-of-pocket costs are becoming significant barriers to essential care. Patients Australia advocates for stronger consumer protections and measures to ensure the long-term affordability of specialist care for all Australians.

For health care professionals, these insights highlight the growing financial challenges patients face and the potential impact on healthcare access and outcomes. Practitioners should be aware of these trends and consider how they might affect patient engagement and the demand for services. Additionally, understanding the implications of these financial barriers can inform discussions around insurance coverage and the need for policies that support both providers and patients in navigating the evolving healthcare landscape.

Published:Thursday, 29th Jan 2026
Source: Paige Estritori

Please Note: If this information affects you, seek advice from a licensed professional.

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Moral Hazard:
The concept that individuals may take on more risk when they do not bear the full consequences of that risk, often relevant in insurance scenarios.