Health Legislation Amendment (Improving Choice and Transparency for Private Health Consumers) Bill 2026; Second Reading

Clutterham supported the bill, explaining that it amends health insurance acts to publish medical fees and require ministerial approval for new insurance products. Clutterham argued that transparency helps consumers navigate complex insurance arrangements and avoid bill shock during times of illness. Clutterham noted that product phoenixing has driven up costs and discouraged tailored healthcare, as policyholders stay on older plans to avoid price jumps. Clutterham stated that the reforms ensure the industry operates fairly and provides value for money.

Gosling welcomed the bill as a step to address specialist fee charging and out-of-pocket costs, fulfilling election commitments to expand ministerial scrutiny and outlaw phoenixing. Gosling highlighted that the Medical Costs Finder will now use government-collected data rather than relying on voluntary uploads. Gosling also detailed broader health achievements in his electorate, including new Medicare urgent care clinics, an aged-care facility, and increased bulk-billing rates. Gosling noted investments in the PBS, mental health services, and local medical training to strengthen the health workforce.

Coffey argued that the bill provides clarity on costs, which is vital for families managing household budgets and health decisions. Coffey criticised the previous voluntary disclosure model for failing, with only a small number of specialists listing fees, and supported the shift to using existing billing data. Coffey explained that product phoenixing undermines consumer trust by repackaging products at higher prices without scrutiny. Coffey linked the bill to broader government efforts to strengthen Medicare, including bulk-billing incentives and cheaper medicines, which have saved residents significant amounts.

Holzberger supported the bill, framing insurance as a collective risk-pooling mechanism rather than a profit-maximising venture. Holzberger condemned product phoenixing as a despicable practice that circumvents the law and harms consumers, stating the bill puts insurers on notice. Holzberger also highlighted the disparity in specialist gap fees, arguing that transparency will encourage specialists to consider their charging practices. Holzberger cited a case of a patient facing high out-of-pocket costs for surgery to illustrate the need for clearer cost information before treatment.