Portability refers to the ability to maintain your insurance coverage when your circumstances change — such as moving to a different province, changing jobs, or retiring. A portable plan stays with you regardless of employment changes because it is an individual policy, not tied to any employer. In contrast, group benefits are not portable — they end when your employment ends. Individual health plans purchased directly from an insurer or through a broker are inherently portable across jobs, though you may need to update your province of residence if you move, as coverage terms and premiums can vary by province. Portability is a key advantage of individual health insurance for Canadians who change jobs frequently, are self-employed, or are approaching retirement.