Affordable Health Insurance in Manitoba
Manitoba Health handles your doctor and hospital visits in Manitoba. 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 Manitoba
Real monthly premiums from the current Manitoba 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 | $50.42/month | $384/month | Personal Health Insurance - Basic |
| 45-year-old, single | $56.35/month | $384/month | Canada Life Freedom To Choose Guaranteed Without Drugs |
| 62-year-old, single | $60.73/month | $383/month | Canada Life Freedom To Choose Guaranteed Without Drugs |
How Manitoba 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 Manitoba 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 | Manitoba | Rank | Cheapest province |
|---|---|---|---|
| 30-year-old, single | $50.42/month | 5 of 13 | Newfoundland and Labrador, $49.30Manitoba is 2.3% higher |
| 45-year-old, single | $56.35/month | 11 of 13 | Newfoundland and Labrador, $49.30Manitoba is 14.3% higher |
| 62-year-old, single | $60.73/month | 11 of 13 | Newfoundland and Labrador, $53.01Manitoba is 14.6% higher |
The same plan costs more here
These plans are sold across the country, but a Manitoba resident pays more for identical coverage. Figures are for a 30-year-old single adult.
- Health Coverage Choice - Plan C (No Dental) costs $264.76/month in Manitoba against $147.13 in Quebec, a 79.9% difference.
- Health Coverage Choice - Plan B (No Dental) costs $191.00/month in Manitoba against $109.61 in Quebec, a 74.3% difference.
- Freedom to Choose - Select Elite (Without Dental) costs $146.46/month in Manitoba against $115.41 in Saskatchewan, a 26.9% difference.
Who you can buy from in Manitoba
3 insurers sell individual health and dental coverage in Manitoba, across 27 plans.
What Manitoba Health covers
Manitoba residents are covered by Manitoba Health for medically necessary physician and hospital services. It does not pay for routine dental, vision or most adult prescription drugs, which is where private health and dental coverage comes in.
A recent shift toward the federal dental plan
Manitoba has narrowed the dental benefits provided through Employment and Income Assistance so that the program mainly covers emergency dental work, and it has directed income-assistance recipients to apply for the federal Canadian Dental Care Plan for routine care. That makes the CDCP, rather than a provincial program, the main public route for lower-income Manitobans. 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.
Many Manitobans work for small businesses, in agriculture or as self-employed tradespeople, where group benefits are less common. Those households are the typical buyers of individual plans from Canada Life, Manulife and Sun Life; Alberta Blue Cross does not sell in Manitoba.
Health Insurance Companies in Manitoba
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 Manitoba:
Alberta Blue Cross
Canada Life
Manulife
Sun Life
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Health insurance in Manitoba: common questions
- What changed with Manitoba income-assistance dental?
- Manitoba scaled back the dental benefits under Employment and Income Assistance so the program mainly covers emergency work, and it directed recipients to the federal Canadian Dental Care Plan for routine care. For most lower-income Manitobans the CDCP is now the main public source of routine dental coverage.
- Does Manitoba Health cover drugs or dental?
- Manitoba Health pays for physician and hospital care, not routine dental, vision or most adult prescription drugs. Manitobans cover those through workplace benefits, a private plan, or the federal Canadian Dental Care Plan if eligible.
- Who sells individual coverage in Manitoba?
- Canada Life, Manulife and Sun Life sell individual health and dental plans to Manitobans; Alberta Blue Cross is regional and does not. Plans differ in reimbursement levels, annual maximums and whether orthodontics is included.
