An Ontario family at home, the households private health insurance complements alongside OHIP

Private health insurance · Ontario

Private health insurance in Ontario, beyond OHIP

OHIP covers hospitals and doctors. It doesn't cover most prescriptions, dental, vision, or paramedical care. Private health insurance fills those Ontario gaps. Compare quotes from licensed brokers across the province in 60 seconds.

Compare Ontario health quotes 647-362-5511

4.8★ from 2,400 reviews50,000+ Canadians served25+ insurers compared

What OHIP leaves out

OHIP is strong on hospital and physician care, but for most adults it stops there. The costs Ontarians most often pay out of pocket — or insure privately — are:

Prescription drugs outside hospital, unless you're covered by OHIP+ or another public drug program.
Dental — routine and major care. See our dental insurance guide.
Vision — adult eye exams and eyewear.
Paramedical — physiotherapy, massage, chiropractic, and psychology.
Private or semi-private hospital rooms and mental-health counselling beyond limited public access.

Plans and costs for Ontario residents

Pricing in Ontario follows the national pattern: basic individual plans from about $32/month, enhanced plans at $60–$120/month, and comprehensive family plans from $130/month. The right tier depends on how often you actually use prescriptions, dental, and paramedical care.

For the national picture of how provincial, group, and private coverage fit together, start at our health insurance in Canada pillar, or read up on private health insurance and supplemental health insurance if you're topping up an existing group plan.

FAQ

Ontario health insurance questions

OHIP covers hospital stays, physician visits, and medically necessary procedures, but it leaves out most prescription drugs taken outside hospital (unless you're under OHIP+ or a public drug program), routine dental, vision care for adults, paramedical services like physiotherapy and massage, private and semi-private hospital rooms, and most mental-health counselling beyond limited public access. Private health insurance is what fills those Ontario gaps.

Costs in Ontario track the national range: basic individual plans start around $32/month, enhanced plans run $60–$120/month, and comprehensive family plans reach $130+/month. Your premium depends on your age, the services you include, and the reimbursement caps. Ontario doesn't add a provincial premium tax to individual health plans, so pricing is competitive across carriers.

For most Ontarians who use prescriptions, dental, or paramedical care regularly, yes. A healthy adult typically faces $300–$1,200 a year in OHIP-uncovered costs, and a family of four often $2,000–$5,000. If those out-of-pocket costs would be a strain — or if you're self-employed without a group plan — a modest private plan usually pays for itself.

Yes. Most basic and many enhanced individual plans available to Ontario residents are issued with no medical exam, though they may limit pre-existing conditions for a defined period. A licensed broker in Ontario can match you to a no-medical plan and compare carriers that write in the province.

Compare Ontario health quotes

Free, private, and quick. We'll connect you with a licensed broker in Ontario who can match a plan to what OHIP leaves out for you.

Compare Ontario health quotes 647-362-5511

Lowest Rates Hub connects consumers with licensed insurance brokers across Canada. Quotes are provided by partner brokers and the carriers they represent; LRH does not bind coverage or hold an insurance licence. Estimates are not bound coverage. Final premiums depend on the insurer's underwriting and the information disclosed in the application. Policies underwritten by IDC Worldsource and partner insurers. Privacy policy.