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 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.
