CHF works to achieve safe, quality, timely and affordable healthcare for all Australians, supported by accessible health information and systems. We support the principles of consumer centred care and chief among these is the principle of universal health care1. Private Health Insurance (PHI) and concerns about medical costs are two of the areas most frequently raised with CHF by the community. Because of this, PHI is one of our key areas of interest. We have been active participants in all waves of reform about PHI, including through representing the needs of consumers on the current Private Health Ministerial Advisory Committee. We welcome the Inquiry and are pleased to provide a submission to it.