Affordable Health Insurance in Ontario
OHIP (Ontario Health Insurance Plan) handles your doctor and hospital visits in Ontario. 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 Ontario
Real monthly premiums from the current Ontario 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 | $54.92/month | $428/month | Canada Life Freedom To Choose Guaranteed Without Drugs |
| 45-year-old, single | $54.92/month | $428/month | Canada Life Freedom To Choose Guaranteed Without Drugs |
| 62-year-old, single | $59.39/month | $427/month | Canada Life Freedom To Choose Guaranteed Without Drugs |
How Ontario 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 Ontario 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 | Ontario | Rank | Cheapest province |
|---|---|---|---|
| 30-year-old, single | $54.92/month | 12 of 13 | Newfoundland and Labrador, $49.30Ontario is 11.4% higher |
| 45-year-old, single | $54.92/month | 6 of 13 | Newfoundland and Labrador, $49.30Ontario is 11.4% higher |
| 62-year-old, single | $59.39/month | 10 of 13 | Newfoundland and Labrador, $53.01Ontario is 12% higher |
The same plan costs more here
These plans are sold across the country, but a Ontario resident pays more for identical coverage. Figures are for a 30-year-old single adult.
- Health Coverage Choice - Plan C (No Dental) costs $264.91/month in Ontario against $147.13 in Quebec, a 80.1% difference.
- Personal Health Insurance - Enhanced (No Dental) costs $163.25/month in Ontario against $95.75 in Quebec, a 70.5% difference.
- FlexCare - ComboPlus Enhanced costs $194.00/month in Ontario against $124.70 in Quebec, a 55.6% difference.
Who you can buy from in Ontario
3 insurers sell individual health and dental coverage in Ontario, across 27 plans.
What OHIP covers in Ontario
Ontario residents are covered by the Ontario Health Insurance Plan, OHIP, for medically necessary physician and hospital care. OHIP does not pay for routine dental, vision, most outpatient prescription drugs for working-age adults, or paramedical services, so private health and dental insurance is widely used to fill those gaps.
Two public dental programs, but a gap in the middle
Ontario funds two of the better-known provincial dental programs: the Ontario Seniors Dental Care Program for eligible low-income residents aged 65 and over, and Healthy Smiles Ontario for eligible children and youth aged 17 and under from lower-income households. Both are income-tested, so most working-age adults fall between them. 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.
Ontario also has the largest concentration of self-employed workers, contractors and small-business employees in Canada, many without group benefits. For them, individual plans from Canada Life, Manulife and Sun Life are a mainstream purchase; Alberta Blue Cross does not sell in Ontario.
Health Insurance Companies in Ontario
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 Ontario:
Alberta Blue Cross
Canada Life
Manulife
Sun Life
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Health insurance in Ontario: common questions
- What public dental programs does Ontario run?
- Ontario funds the Ontario Seniors Dental Care Program for eligible low-income residents aged 65 and over, and Healthy Smiles Ontario for eligible children and youth aged 17 and under from lower-income households. Both are income-tested, so most working-age adults fall between them.
- Does OHIP cover dental or drugs?
- OHIP covers physician and hospital care but not routine dental, vision, paramedical services, or most outpatient prescription drugs for working-age adults. Ontarians cover those through workplace benefits, a private plan, or the federal Canadian Dental Care Plan if eligible.
- Who buys private coverage in Ontario?
- Ontario has the largest concentration of self-employed workers, contractors and small-business employees in Canada, many without group benefits. For them, individual plans from Canada Life, Manulife and Sun Life are a mainstream purchase; Alberta Blue Cross does not sell here.
