Affordable Health Insurance in Quebec
RAMQ (Régie de l’assurance maladie du Québec) handles your doctor and hospital visits in Quebec. For the dental, vision, drug and paramedical costs it leaves out, compare private plans and get personalized quotes in minutes.
What health insurance costs in Quebec
Real monthly premiums from the current Quebec rate tables for a single adult, before any optional add-ons. The range spans every plan sold here, from the lightest to the richest, so a low starting price usually means lighter coverage.
| Profile | Starting at | Up to | Cheapest plan |
|---|---|---|---|
| 30-year-old, single | $49.34/month | $338/month | Personal Health Insurance - Basic |
| 45-year-old, single | $61.27/month | $338/month | Personal Health Insurance - Basic |
| 62-year-old, single | $71.52/month | $337/month | Canada Life Freedom To Choose Guaranteed Without Drugs |
How Quebec compares to the rest of Canada
Private plans are sold nationally, but they are not priced the same everywhere. Comparing the cheapest plan available in each province shows where Quebec sits. Its position changes with age, because the cheapest plan switches from an age-rated product to a flat-rate one as you get older.
| Profile | Quebec | Rank | Cheapest province |
|---|---|---|---|
| 30-year-old, single | $49.34/month | 2 of 13 | Newfoundland and Labrador, $49.30Quebec is 0.1% higher |
| 45-year-old, single | $61.27/month | 13 of 13 | Newfoundland and Labrador, $49.30Quebec is 24.3% higher |
| 62-year-old, single | $71.52/month | 13 of 13 | Newfoundland and Labrador, $53.01Quebec is 34.9% higher |
The same plan costs more here
These plans are sold across the country, but a Quebec resident pays more for identical coverage. Figures are for a 30-year-old single adult.
- Canada Life Freedom To Choose Guaranteed Plus Without Drugs costs $188.33/month in Quebec against $136.09 in Prince Edward Island, a 38.4% difference.
- Canada Life Freedom To Choose Guaranteed Without Drugs costs $63.41/month in Quebec against $49.30 in Newfoundland and Labrador, a 28.6% difference.
- Freedom to Choose - Select Elite (With Dental) costs $180.38/month in Quebec against $152.89 in Saskatchewan, a 18% difference.
Who you can buy from in Quebec
3 insurers sell individual health and dental coverage in Quebec, across 27 plans.
What RAMQ covers in Quebec
Quebec residents are covered by RAMQ for medically necessary physician and hospital care. Quebec is distinctive in two ways: RAMQ runs a public prescription drug plan that residents must be covered by, either through RAMQ or a private group plan, and RAMQ funds some public dental care that other provinces do not.
RAMQ’s public dental program covers certain services at no cost for children under 10 and for recipients of last-resort financial assistance. Cleaning and fluoride for young children are not included, and adults outside the assistance program are not covered for routine dentistry, so most Quebec adults still need private dental coverage.
How private coverage fits in Quebec
Because RAMQ’s drug plan already requires drug coverage, private plans in Quebec often focus on dental, vision and paramedical benefits that RAMQ does not provide for adults. The federal Canadian Dental Care Plan is the public backstop here: it covers eligible residents under the $90,000 family-income line who have no private dental insurance, and now spans all ages.
Note that the national carriers Aeva works with do not currently sell individual plans into Quebec through this platform, so Quebec residents comparing options should start with the RAMQ guide to understand what the public plan covers before looking at private supplements.
Health Insurance Companies in Quebec
Availability of insurance companies and their products can vary from one province/territory to the next. The following health insurance companies are available to residents of Quebec:
Alberta Blue Cross
Canada Life
Manulife
Sun Life
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Health insurance in Quebec: common questions
- Does RAMQ cover any dental care in Quebec?
- Yes, for some groups. RAMQ’s public dental program covers certain services at no cost for children under 10 and for recipients of last-resort financial assistance. Cleaning and fluoride for young children are not included, and adults outside the assistance program are not covered for routine dentistry.
- How is Quebec’s prescription drug coverage different?
- Quebec requires residents to be covered by a drug plan, either RAMQ’s public drug plan or a private group plan. Because of that, private plans in Quebec often focus on dental, vision and paramedical benefits that RAMQ does not provide for adults.
- Can I buy a private plan in Quebec through Aeva?
- The national carriers Aeva works with do not currently sell individual plans into Quebec through this platform. Quebec residents should start with the RAMQ guide to understand the public coverage before looking at private supplements.