Ally Finnis has battled chronic medical conditions for years but health isn't their only worry when booking an appointment with a doctor or nurse.

"Cost is very much a concern that's forefront of my mind whenever I am looking at health care and accessing treatments," the 29-year-old told AAP.

Ally Finnis needs a GP to help organise subsidised physiotherapy appointments to treat muscle and joint pain.

However, they haven't been able to find any GP appointments close to home in Mount Gambier, near the Victoria-South Australia border.

"I have had to defer creating a chronic health care management plan just because there are no clinics currently accepting new patients ... that's having flow-on effects in terms of my physical wellbeing," they said.

Ally Finnis is among almost one in 10 Aus

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