The Final Report of the Royal Commission into Aged Care Quality and Safety (Commonwealth of Australia 2021) highlighted the challenges in developing a sustainable financing system for aged care in Australia. The report recommended additional funding both in the short term and longer term so as to provide an adequate level of aged care quality for older Australians, including exploring an actuarially based contributory social insurance scheme for aged care. Sustainable financing of aged care requires a balance between government tax-based financing, individual contributions during working life through an aged care levy, copayments for aged care costs for those receiving aged care and means testing for these copayments. There should be a role for private market insurance and financing to supplement government financed aged care support.

中文翻译：

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澳大利亚可持续老年护理融资

皇家老年护理质量和安全委员会的最终报告（澳大利亚联邦 2021 年）强调了在澳大利亚为老年护理制定可持续融资体系所面临的挑战。该报告建议在短期和长期提供额外资金，以便为澳大利亚老年人提供足够水平的老年护理质量，包括探索基于精算的老年护理缴费型社会保险计划。老年护理的可持续融资需要在政府税收融资、工作期间通过老年护理税的个人贡献、接受老年护理的人的老年护理费用共付额以及这些共付额的经济状况调查之间取得平衡。私人市场保险和融资应发挥作用，以补充政府资助的老年护理支持.