Hilvert Advisory

Insights

One chart, one argument, no adjectives.

We publish the analysis we would otherwise only show a board. Most of it starts as a question someone asked us that turned out to have a number behind it.

8 September 2026 · Private health insurance

Why private hospitals are so stretched

There are now half as many contributing-age policyholders per claiming-age policyholder as there were in 2000. That single ratio does more explanatory work than most of the commentary around it.

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More analysis is published on Dan's LinkedIn as it is produced.