Private health insurance is community rated which means his means all policy holders pay the same premiums for the same policy, regardless of their gender, age or health status.  The Australian Government intervenes to ensure access to healthcare services, through Medicare, Australia’s universal health insurance scheme The Government is implementing strategies and projects that aim to improve access to health services for people with disability (for example, Australia’s National Disability Strategy 2021-2031 and the Roadmap for Improving the Health of People with Intellectual Disability)