Affordable Health Insurance in Northwest Territories
NWT Health Care Plan handles your doctor and hospital visits in Northwest Territories. 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 Northwest Territories
Real monthly premiums from the current Northwest Territories 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 | $54.63/month | $420/month | Personal Health Insurance - Basic |
| 45-year-old, single | $55.06/month | $427/month | Canada Life Freedom To Choose Guaranteed Without Drugs |
| 62-year-old, single | $59.29/month | $472/month | Canada Life Freedom To Choose Guaranteed Without Drugs |
How Northwest Territories 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 Northwest Territories 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 | Northwest Territories | Rank | Cheapest province |
|---|---|---|---|
| 30-year-old, single | $54.63/month | 9 of 13tied with 2 others | Newfoundland and Labrador, $49.30Northwest Territories is 10.8% higher |
| 45-year-old, single | $55.06/month | 7 of 13tied with 2 others | Newfoundland and Labrador, $49.30Northwest Territories is 11.7% higher |
| 62-year-old, single | $59.29/month | 7 of 13tied with 2 others | Newfoundland and Labrador, $53.01Northwest Territories is 11.8% higher |
The same plan costs more here
These plans are sold across the country, but a Northwest Territories resident pays more for identical coverage. Figures are for a 30-year-old single adult.
- Health Coverage Choice - Plan C (No Dental) costs $293.87/month in Northwest Territories against $147.13 in Quebec, a 99.7% difference.
- Health Coverage Choice - Plan B (No Dental) costs $215.76/month in Northwest Territories against $109.61 in Quebec, a 96.8% difference.
- Personal Health Insurance - Enhanced (No Dental) costs $155.70/month in Northwest Territories against $95.75 in Quebec, a 62.6% difference.
Who you can buy from in Northwest Territories
3 insurers sell individual health and dental coverage in Northwest Territories, across 27 plans.
What the NWT Health Care Plan covers
Northwest Territories residents are covered by the NWT Health Care Plan for medically necessary physician and hospital care. It does not cover routine adult dental for most residents, so federal dental programs or private coverage fill that gap.
Federal coverage and carrier choice
A large share of Northwest Territories residents are covered for dental through the federal Non-Insured Health Benefits program for First Nations and Inuit, which pays for a range of services with no deductible or co-payment. For those residents private dental coverage often adds little. Residents not covered by that program and with lower incomes may instead qualify for the federal Canadian Dental Care Plan. 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.
The NWT is one of the few places outside Alberta where Alberta Blue Cross sells individual coverage, alongside Canada Life, Manulife and Sun Life, so residents buying private plans have a regional option with its own orthodontic tiers.
Health Insurance Companies in Northwest Territories
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 Northwest Territories:
Alberta Blue Cross
Canada Life
Manulife
Sun Life
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Health insurance in Northwest Territories: common questions
- How are many NWT residents covered for dental?
- A large share of Northwest Territories residents are covered for dental through the federal Non-Insured Health Benefits program for First Nations and Inuit, which has no deductible or co-payment. For those residents a private dental plan often adds little.
- Can I buy Alberta Blue Cross in the Northwest Territories?
- Yes. The NWT is one of the few regions outside Alberta where Alberta Blue Cross sells individual coverage, alongside Canada Life, Manulife and Sun Life, so residents have a regional option with its own orthodontic tiers.
- What if I am not covered by a federal program?
- Residents not covered by Non-Insured Health Benefits and with lower incomes may qualify for the federal Canadian Dental Care Plan. Others rely on private coverage, which helps budget for care that can involve travel to larger centres.
