70% of people have never changed health insurance provider – study

24 March 2026

A new survey by the Health Insurance Authority (HIA) shows that 70% of Irish health insurance holders have never switched their provider or plan, staying on average 20 years with the same coverage. Most consumers cite satisfaction with existing cover or limited potential savings as reasons for not switching, even amid rising premiums and cost-of-living pressures. Nearly half of respondents feel recent premium increases are unjustified, with some individual premiums rising significantly. The study also found that almost 20% of adults who previously held insurance canceled it, mainly due to cost. To help consumers make informed choices, the HIA launched a free comparison tool encouraging people to review plans annually.

Private health insurance costs rise for ageing New Zealanders

24 March 2026

As New Zealanders age, they face rising private health insurance premiums and must decide whether to maintain, reduce, or abandon coverage. Premiums increase with age due to higher health risks, and those over 65 claim on average more than three times what members aged 35–49 claim. Southern Cross Health Insurance reports that people in their 60s review coverage to balance costs and healthcare needs, while those in their 70s often adjust plans or focus on hospital and surgical cover rather than dropping it entirely. By the 80s, many rely on the public health system, as it better handles acute age-related conditions. Medical inflation and premium hikes across major insurers make navigating private healthcare increasingly costly and complex for older New Zealanders.

To pay or self-insure? The private healthcare dilemma for Kiwis

22 March 2026

As Kiwis age, deciding whether to maintain private health insurance or self-insure becomes increasingly complex. Premiums rise with age due to higher risk and greater likelihood of claims, making cover more expensive just when income may decline. Many adjust their policies decade by decade, keeping meaningful coverage while managing costs, especially in their 60s and 70s. By the 80s, some rely more on New Zealand’s public health system for acute care, leading to a decline in private membership. Overall, retirees must balance affordability, coverage needs, and access to timely medical care when planning their health insurance strategy.