Im with Aust Unity and I really really dislike them. They are the most expensive and in the last three times i have called to enquire about claiming (with the codes from the DR) they have told me i am covered only to find out when I actually tried to claim I wasnt.

Not happy at all. I am going to change providers....but that said i would really look into the benefits you get from having PHI. Would you want to wait for surgery for you or your kids if you dont have to? Does DH's wage put him into the Medicare surchage area because although you still pay a levi....the surcharge on top of that can be huge (my Dh's was over $1000 from memory) so this itself can offset your payments... I know it is hard to come up with the money weekly but if you are going to have to come up with it at tax time you might as well get the benefits from it.

have you tried iselect or one of those kinda websites that compare all the health policies out there and can possibly get you a cheaper one...