Cheapest private health insurance in Ontario (2026)
Ontario Health Insurance Plan covers doctors and hospitals; private plans add drugs, dental, vision and paramedical care.
| Option | Carrier | Plan | Monthly |
|---|---|---|---|
| Cheapest full coverage (drugs + dental + paramedical), age 45 | Sun Life | PHI Basic | $70.93/mo |
Cheapest full plan by age in Ontario
| Age | Carrier | Plan | Monthly |
|---|---|---|---|
| 25 | Sun Life | PHI Basic | $61.32/mo |
| 45 | Sun Life | PHI Basic | $70.93/mo |
| 65 | Sun Life | PHI Basic | $67.05/mo |
| 70 | GMS | MyHealth Tier 1 | $76.26/mo |
| 80 | GMS | MyHealth Tier 1 | $64.56/mo |
Exact premiums for a single adult from our 2026 research, which runs our comparison engine’s own carrier rate tables. Full-plan prices were computed July 19, 2026 (GMS refreshed August 13, 2026) for someone leaving employer coverage, so 60–90-day conversion plans are included. No-medical-questions prices were computed July 19, 2026 for plans anyone can join at any time. A sample, not a quote — carriers reprice, and your age, family and start date change the price. Run the compare tool for a live rate.