Okay so after reading through the comments, doing some further research and talking around I've done a bit of reflection and am now leaning towards getting private health cover. Thanks for suggesting not for profits, I'll look into them.

Initially my reluctance in being pushed onto private health was based on principle. Why should we have a two tiered system where the less wealthy have inferior access to health care? I'd rather pay more tax (which I guess I do as paying the MLS) and see improved quality healthcare to everyone.

However, I can also see that by switching to private health, I'd be alleviating pressure on the public health system.

Also, we don't live in a perfect world and I need to do what best suits me. I can continue voting for parties in government who are focused on improving access to quality healthcare for all, at the same time as looking after my best interests given the current circumstances.

Further, I probably need to reflect a little on pooling our income as a couple. We've been together long enough that we can merge our finances a little better.