We have looked into it a number of times, but financially it really just does not make sense for us. We have access to most of the services we use for free with medicare, whereas if we had PHI, we would have to pay for those same services, and be out of pocket even with the rebates. Generally we have been very happy with the public system and have no reason to change (being in very good health).
I'm curious because a few people have said things along these lines but how does having PHI diminish your ability to access Medicare related rebates/bulk billing etc? They have no impact on eachother as far as I've experienced or am aware of; isn't PHI essentially in addition to, not instead of? I do understand the premiums not being balanced by usage for different people and different circumstances but was just wondering about this side of things.