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Health Insurance Costs in Canada by Age

Written by: Helene Fleischer
Content Marketing Manager
Edited by: Jessica Barrett
Content Marketing Manager
Updated
November 24, 2025
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Key Takeaways
  • Age is a key determinant of private health insurance costs in Canada.
  • In general, older adults pay higher rates for individual health insurance coverage than youths.
  • Private healthcare plans for adults in Canada cost between $75 and $165/month, on average.
  • Seniors have the highest insurance costs in Canada, with rates well above $100/month for most individuals aged 65 and up.

Health insurance rates by age in Canada

The average cost of a private health insurance plan in Canada ranges from $30–$75/month for children and youths, $75–$165/month for adults, and $100–$200+/month for seniors.

As you age, the cost of key coverage like dental insurance rises to meet the likelihood that you’ll need covered services. Because older Canadians are increasingly likely to access medical care and to have pre-existing conditions, they face higher premiums when it comes to private health and dental coverage. 

Age
Economic
Classic
Advanced
0-4
$31.21
$36.18
$40.15
5-20
$47.60
$54.85
$76.10
21-44
$78.39
$90.68
$114.69
45-54
$91.25
$109.38
$140.21
55-59
$106.38
$120.42
$152.58
60-64
$117.48
$131.21
$164.62
65-69
$105.00
$120.70
$151.46
70-74
$106.92
$133.05
$184.55
75-79
$122.09
$144.43
$193.78
80-100
$132.67
$154.40
$207.20
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What does private health insurance cover?

In Canada, private health insurance plans cover a wide range of extended health benefits that provincial plans don’t, such as:

  • Prescription drugs
  • Dental care
  • Vision care
  • Home care
  • Medical equipment (e.g., hearing aids, diabetic supplies)
  • Mental health services
  • Paramedical services (e.g., chiropractic care, physiotherapy) 
  • Ambulance services
  • Travel insurance

Health insurance rates by age in Alberta

The average cost of health insurance for adults aged 21–44 in Alberta is between $118/month and $179/month. 

Age
Economic
Classic
Advanced
0-4
$50.20
$56.27
$82.17
5-20
$77.47
$91.63
$133.50
21-44
$118.29
$132.37
$179.27
45-54
$125.91
$157.41
$217.41
55-59
$146.36
$171.35
$233.91
60-64
$160.07
$185.26
$249.77
65-69
$124.19
$141.11
$190.20
70-74
$131.04
$142.79
$205.15
75-79
$137.59
$154.99
$215.41
80-100
$146.09
$166.10
$229.36

* Rates are effective November 2025 and are subject to change.

Health insurance rates by age in British Columbia

The average cost of health insurance for adults aged 21-44 in British Columbia is between $116/month and $174/month.

Age
Economic
Classic
Advanced
0-4
$37.96
$42.67
$60.12
5-20
$53.15
$66.78
$93.83
21-44
$116.84
$128.14
$174.28
45-54
$129.34
$151.12
$210.19
55-59
$139.30
$164.30
$225.62
60-64
$152.12
$177.16
$240.32
65-69
$134.35
$166.94
$221.09
70-74
$158.00
$169.04
$248.81
75-79
$165.90
$183.50
$261.26
80-100
$172.69
$198.59
$278.70

* Rates are effective November 2025 and are subject to change.

Health insurance rates by age in Manitoba

The average cost of health insurance for adults aged 21-44 in Manitoba is between $105/month and $170/month.

Age
Economic
Classic
Advanced
0-4
$43.26
$46.73
$69.52
5-20
$61.78
$69.15
$91.56
21-44
$105.37
$123.33
$170.89
45-54
$121.99
$148.62
$209.06
55-59
$142.30
$163.05
$226.16
60-64
$157.05
$177.34
$244.42
65-69
$144.49
$163.15
$224.86
70-74
$155.79
$188.72
$273.18
75-79
$161.27
$204.88
$286.84
80-100
$193.02
$219.37
$309.53

* Rates are effective November 2025 and are subject to change.

Health insurance rates by age in New Brunswick

The average cost of health insurance for adults aged 21-44 in New Brunswick is between $111/month and $170/month.

Age
Economic
Classic
Advanced
0-4
$33.73
$52.82
$69.52
5-20
$55.70
$70.53
$91.56
21-44
$111.24
$131.09
$170.89
45-54
$123.27
$157.96
$209.06
55-59
$132.72
$172.91
$226.16
60-64
$145.98
$189.17
$244.42
65-69
$129.82
$174.03
$224.86
70-74
$150.04
$197.99
$273.18
75-79
$157.54
$214.91
$286.84
80-100
$168.93
$232.60
$309.53

* Rates are effective November 2025 and are subject to change.

Health insurance rates by age in Newfoundland and Labrador

The average cost of health insurance for adults aged 21-44 in Newfoundland and Labrador is between $111/month and $160/month.

Age
Economic
Classic
Advanced
0-4
$33.73
$39.01
$43.39
5-20
$55.70
$65.35
$87.83
21-44
$111.24
$119.77
$159.97
45-54
$123.27
$142.15
$193.86
55-59
$132.72
$154.94
$208.41
60-64
$145.98
$167.93
$223.54
65-69
$129.82
$154.48
$205.65
70-74
$150.04
$163.27
$234.37
75-79
$157.54
$177.23
$246.09
80-100
$168.93
$193.53
$265.75

* Rates are effective November 2025 and are subject to change.

Health insurance rates by age in Nova Scotia

The average cost of health insurance for adults aged 21-44 in Nova Scotia is between $101/month and $157/month.

Age
Economic
Classic
Advanced
0-4
$31.21
$36.18
$40.15
5-20
$47.60
$59.03
$79.48
21-44
$101.24
$119.64
$157.00
45-54
$116.95
$143.56
$191.50
55-59
$135.26
$155.93
$205.82
60-64
$149.82
$170.63
$222.39
65-69
$112.85
$139.24
$190.44
70-74
$139.38
$141.93
$206.60
75-79
$146.36
$154.08
$216.92
80-100
$148.43
$169.64
$235.91

* Rates are effective November 2025 and are subject to change.

Health insurance rates by age in Ontario

The average cost of health insurance for adults aged 21-44 in Ontario is between $134/month and $221/month.

Age
Economic
Classic
Advanced
0-4
$47.21
$59.47
$82.77
5-20
$70.81
$89.21
$124.15
21-44
$134.05
$162.06
$221.36
45-54
$156.57
$197.27
$274.54
55-59
$173.98
$215.63
$295.75
60-64
$178.21
$223.77
$303.46
65-69
$149.88
$196.00
$259.80
70-74
$158.83
$206.80
$277.36
75-79
$165.20
$213.46
$291.22
80-100
$190.51
$220.72
$300.04

* Rates are effective November 2025 and are subject to change.

Health insurance rates by age in Prince Edward Island

The average cost of health insurance for adults aged 21-44 in Prince Edward Island is between $108/month and $159/month.

Age
Economic
Classic
Advanced
0-4
$39.71
$41.37
$46.03
5-20
$55.84
$65.16
$86.22
21-44
$108.79
$120.58
$158.83
45-54
$116.29
$143.46
$192.87
55-59
$135.06
$156.32
$207.79
60-64
$148.63
$169.94
$223.05
65-69
$132.24
$156.34
$205.22
70-74
$150.08
$165.47
$234.62
75-79
$157.59
$179.63
$246.36
80-100
$173.44
$197.58
$268.44

* Rates are effective November 2025 and are subject to change.

Health insurance rates by age in Québec

The average cost of health insurance for adults aged 21-44 in Québec is between $123/month and $203/month.

Age
Economic
Classic
Advanced
0-4
$43.43
$54.11
$76.14
5-20
$65.13
$81.18
$114.22
21-44
$123.32
$147.48
$203.64
45-54
$144.06
$179.52
$252.59
55-59
$160.06
$196.23
$272.10
60-64
$171.75
$213.33
$291.87
65-69
$151.68
$196.21
$268.51
70-74
$160.74
$207.02
$296.63
75-79
$166.38
$213.68
$311.47
80-100
$192.81
$220.95
$320.90

* Rates are effective November 2025 and are subject to change.

Health insurance rates by age in Saskatchewan

The average cost of health insurance for adults aged 21-44 in Saskatchewan is between $78/month and $114/month.

Age
Economic
Classic
Advanced
0-4
$34.18
$36.92
$48.52
5-20
$49.04
$54.85
$76.10
21-44
$78.39
$90.68
$114.69
45-54
$91.25
$109.38
$140.21
55-59
$106.38
$120.42
$152.58
60-64
$117.48
$131.21
$164.62
65-69
$105.00
$120.70
$151.46
70-74
$106.92
$133.05
$184.55
75-79
$122.09
$144.43
$193.78
80-100
$132.67
$154.40
$207.20

* Rates are effective November 2025 and are subject to change.

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How age impacts health insurance

Age increases the need for medical services, thus driving up the cost of coverage.

It’s not just your own costs that go up when you get older, either. Seniors are more likely to need medical care that provincial health insurance typically doesn’t cover, like eye exams, prescription medications, or dental care. As more Canadians access these services, healthcare costs increase, leading health insurance companies to raise the rates they charge for both individual and group plans. 

The best way to keep your healthcare expenses low as you age is to prioritize healthy habits that minimize your overall healthcare needs. The less coverage you require, the lower your premiums will be. 

Other factors that impact health insurance costs

The cost of private health insurance in Canada depends on a range of factors beyond your age, such as:
‍

  • Medical history: For fully underwritten health insurance plans, pre-existing medical conditions can raise your monthly premiums. 
  • Level of coverage: Private Canadian healthcare plans fall into basic, mid-level, and premium coverage tiers. Higher coverage levels typically come with smaller deductibles and co-pays, but these plans will charge higher premiums. 
  • Location: High-cost-of-living provinces like Ontario and Quebec often see higher average medical insurance costs, while residents of provinces like Saskatchewan enjoy lower premiums. 
  • Number of people covered: If your health insurance policy also covers family members, including children or seniors, you’ll pay a higher rate.

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FAQ: Health insurance by age in Canada

Helene Fleischer is Content Marketing Manager at PolicyMe, with 9 years in content marketing and 4 in Canada’s insurance industry. She works with skilled writers and licensed insurance advisors to create useful resources that help Canadians navigate insurance decisions with confidence and clarity.

Helene Fleischer is Content Marketing Manager at PolicyMe, with 9 years in content marketing and 4 in Canada’s insurance industry. She works with skilled writers and licensed insurance advisors to create useful resources that help Canadians navigate insurance decisions with confidence and clarity.

Prices listed on this page are based on information available as of October 2025. The prices shown are for general reference only and may vary based on factors like your age, location, and product selection.