Prices checked July 15, 2026 · SK, BC, AB, MB, ON · Single adult.
The short answer: in our July 15, 2026 check, the cheapest health plan with no health questions cost $33.00 to $60.13 a month in Saskatchewan, BC, Alberta and Ontario at the ages we checked from 20 to 70. The cheapest we found was $33.00 a month in British Columbia. Your health cannot get you declined, but you still need to meet each plan's eligibility rules.
Is this you?
- You have a health condition — diabetes, a heart history, ongoing prescriptions — and worry an insurer would say no if you applied.
- You have been declined for insurance before, or you simply do not want to risk the health questionnaire and what a decline might mean later.
- Your workplace benefits are ending and you want coverage that is certain, not conditional on how an underwriter reads your file.
Two terms to know
- A plan that accepts eligible applicants without health questions (guaranteed acceptance).
- A deadline — usually 60 or 90 days after work benefits end — to get certain plans (conversion window).
The numbers
Each cell below is the monthly price of the cheapest plan with no health questions in that province at that age. British Columbia's winner, Pacific Blue Cross's Group Conversion plan (guaranteed for people who apply within their window after leaving workplace benefits), was the cheapest real health plan in the country:
| Age | SK | BC | AB | MB | ON |
|---|---|---|---|---|---|
| 30 | $37.00 | $33.00 | $49.00 | $16.00 | $48.00 |
| 50 | $40.00 | $39.00 | $52.00 | $26.63 | $51.00 |
| 70 | $49.00 | $46.00 | $60.13 | $44.06 | $60.00 |
⚠️ Manitoba's low prices need an asterisk: its winner is an accident-only plan — it pays when an accident happens but covers no illness, drugs, or therapy visits. Manitoba's cheapest full guaranteed acceptance plan is Manitoba Blue Cross Blue Choice GIB, from $26.44 a month at age 20.
Notice how flat the prices are: in BC a 70-year-old pays only $13 more per month than a 30-year-old, and Ontario runs $48.00 a month at 30 and $60.00 at 70. For plans with no health questions, that is a remarkably predictable price. See all ages and provinces in our full research.
What this means for you
- If an insurer has ever declined you, or you fear one would, this market exists exactly for you — there are no health questions, so pre-existing conditions cannot be held against your application (some plans still limit coverage for them, so check).
- Act fast if you are leaving workplace benefits: the very cheapest of these plans are only guaranteed if you apply within 60 or 90 days of your group coverage ending, depending on the plan — mark the date your benefits stop and count forward.
- If you are healthy, plans with health questions are often cheaper — see the recorded entry prices in our cheapest-plan research — so compare both doors before paying for the guarantee.
The fine print that matters
- Miss the 60–90 day deadline and the cheapest deals disappear — the always-available alternatives (like GreenShield ZONE 1, $38.00 to $64.00 a month depending on age and province) cost a few dollars more, but no deadline applies to them.
- These entry plans do not cover prescription drugs at their base price — if medications are why you are shopping, expect to pay more for a bigger plan or a drug add-on.
- Manitoba's rock-bottom $11.96 option only pays for accidents — it is not a full health plan. Anywhere a price looks too good, check what the plan actually pays for before celebrating.
Your province and age decide which plan is actually yours — see your own rate in about two minutes.
Rates were pulled from our own comparison engine on July 15, 2026 for a single adult losing employer coverage, guaranteed-approval filter on. Full tables, methodology, and limitations are in our research report.
Frequently asked questions
How much does a health plan with no health questions cost in Canada?
In our July 15, 2026 price check, the cheapest plan with no health questions was $33.00 a month (Pacific Blue Cross Group Conversion in BC, for people leaving a group plan). In Saskatchewan, BC, Alberta and Ontario, the cheapest guaranteed acceptance plan at the ages we checked, 20 to 70, cost between $33.00 and $60.13 a month. Manitoba’s cheapest was an accident-only plan.
Can I really not be declined, even with a health condition?
Not for health reasons. Guaranteed acceptance plans have no medical questionnaire and no underwriting, so your health history cannot get you declined. You still need to meet each plan’s eligibility rules, and some of the cheapest ones are only guaranteed if you apply within 60 or 90 days of losing workplace benefits.
Do these plans cover prescription drugs?
Mostly no, at the entry price. The cheapest guaranteed acceptance plans cover practitioner visits like massage and physiotherapy plus extended-health basics. Drug coverage is usually a paid add-on or a step up to a bigger plan.
Why was the cheapest plan in Manitoba only about $12?
Because it is an accident-only plan — it pays when an accident happens but covers no illness, drugs, or therapy visits. Manitoba’s cheapest full guaranteed acceptance plan is Manitoba Blue Cross Blue Choice GIB, from $26.44 a month at age 20.
How much does a no-health-questions plan cost in each province?
In our July 15, 2026 check, the cheapest guaranteed acceptance plan cost $37.00 a month in Saskatchewan, $33.00 in BC, $49.00 in Alberta, $16.00 in Manitoba, and $48.00 in Ontario at age 30. At age 50 it ran $40.00 in Saskatchewan, $39.00 in BC, $52.00 in Alberta, $26.63 in Manitoba, and $51.00 in Ontario. At age 70 it ran $49.00 in Saskatchewan, $46.00 in BC, $60.13 in Alberta, $44.06 in Manitoba, and $60.00 in Ontario. Manitoba’s low prices are for an accident-only plan; its cheapest full guaranteed plan is Manitoba Blue Cross Blue Choice GIB, from $26.44 a month at age 20.