What happens when your child turns 15

When your child turns 15, there are some changes for your and your child’s Medicare cards.

At 15, your child can:

  • apply for a tax file number (TFN) without your help
  • access their immunisation history statement themselves
  • open their own bank account
  • get their own Medicare card.

Find out more about applying for a TFN on the Australian Taxation Office website.

They may also be able to get a job. If they do and you get FTB, it won't affect your rate. Read more about employment for teenagers and FTB.

Your child may also be eligible for Child Dental Benefits Schedule.

If you have a child with disability, you may continue to qualify for Child Care Subsidy until they’re 18. Read more about Child Care Subsidy.

Medicare card

When your child turns 15, they can get their own Medicare card.

A Medicare card gives them access to a range of medical services and prescriptions at a lower cost. They’ll also get free care as a patient in a public hospital.

Your child can choose to either:

  • transfer to their own card
  • stay on your card and copy to a new card.

If they choose to transfer to their own card, they’ll no longer be on your card.

If they choose to copy to a new card, they’ll stay active on your card and get their own card.

Getting Medicare benefits

Your child must update their bank details to get Medicare benefits. They need to do this whether they have their own Medicare card or choose to stay on your card.

Page last updated: 3 April 2024.
QC 60245