Medicare Levy

Hi

Apologies if this has been covered before.
I also would contact my accountant, but Its a public holiday and I'm keen to get further opinions :)

So, up until now i've not had any inclination to purchase private healthcare, I'm an active 31( hence the rush) year old who has had no need for heathcare( just Lucky sofar I guess)
My partner is full time studying so our combined income is below the 180k mark( mine over 100k but we should be assessed as defacto I believe)

So my question is am I going to save any money if I purchase Private healthcare?, I see that I paid approx 1500 in medicare levy last year and my partner( who has private healthcare) paid 140 ( could be due to her income tho)

I'm quite unlikely to utilize any of the services that come with private healthcare( apart from maybe dental) so this seems like a waste.
I also understand the Lifetime Health Cover Loading, but also wonder if there is savings to purchase healthcare now.

All of these services I seem to pay for I get very little benefit from, I understand that this is the way insurance is, but my risk seems low and this is why I've not purchased up until now.

Hopefully there is enough info above :)

Cheers

Medicare Levy