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Pick a time. We check the public programs first, then compare health and dental prices from several insurers for your age.
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1Who a Personal Plan Is For
Workplace benefits pay most of these costs for employees. If you don't have them, you pay out of pocket unless you buy a plan yourself. A personal plan is usually worth a look if you are:
- Self-employed or working on contract, with no group plan. CRA rules may let you deduct the premiums from business income.
- Leaving a job and losing workplace benefits. Most insurers have a plan with no medical questions if you apply within 60 or 90 days.
- Retiring early, before age 65 and the Ontario Drug Benefit.
- Paying for a regular prescription, therapy or dental work and wanting part of it back.
2What a Plan Pays For
Each insurer sells several levels. These are the ranges in the plan summaries the insurers publish for Ontario, from their entry plans to their higher plans.
| Benefit | Entry plans | Higher plans |
|---|---|---|
| Prescription drugs | 60% to 80%, up to $500 to $750 a year | 80% to 100%, up to $5,000, $10,000 or more |
| Dental care | 60% to 70%, up to $350 to $500 a year | 70% to 80%, up to $750 to $1,000 in the first year |
| Physio, massage, chiropractor and other therapists | $25 to $40 a visit, up to $250 to $400 per therapist | Up to $400 to $500 per therapist |
| Psychologist or counsellor | Included on many plans, with a yearly limit | Higher yearly limit |
| Glasses and contact lenses | $150 every 2 years, or not included | $200 to $300 every 2 years |
From the plan pages of Manulife (Flexcare, FollowMe), Sun Life (Personal Health Insurance), Canada Life (Freedom to Choose), GreenShield (ZONE, LINK) and Desjardins (SOLO, Health Track), read November 4, 2026. Each policy wording sets the exact terms.
Many plans also pay toward ambulance trips, a semi-private hospital room and hearing aids, and some include a short travel benefit. Dental work like crowns and orthodontics usually waits 1 to 2 years and is only on the higher plans.
3The Plans We Compare
| Insurer | Plans anyone can apply for | If you're leaving a job |
|---|---|---|
| Manulife | Flexcare: Starter level with no medical questionnaire at application; Basic and Enhanced with a questionnaire | FollowMe: no medical questions if you apply and pay within 90 days |
| Sun Life | Personal Health Insurance: Basic, Standard, Enhanced, with basic health questions | Health Coverage Choice: no medical questions within 60 days |
| Canada Life | Freedom to Choose Select plans, with a short questionnaire | Guaranteed plans: no medical questions |
| GreenShield | ZONE: Fundamental and ZONE 1 to 3 with guaranteed acceptance; ZONE 4 to 7 with a health questionnaire | LINK: no medical questions within 90 days, ages 18 to 79 |
| Desjardins | SOLO Healthcare, ages 18 to 64, with medical questions | Health Track: no proof of health within 60 days, at any age |
From each insurer's own plan pages. Which plans you can get depends on your age, health answers and province.
Plans with health questions give higher maximums but often exclude drugs for a condition you already have. Plans with guaranteed acceptance cover existing conditions with lower maximums. We will tell you which way fits you before you apply.
4We Check the Public Programs First
Some public programs end when you buy private coverage, so we look at them before we quote. A household with income under $90,000 and no dental coverage may qualify for the federal Canadian Dental Care Plan, which a private dental plan would rule out. People 24 and under get OHIP+ drug coverage only if no private plan covers them. If a public program covers you better, we will say so.
The full comparison, with what OHIP leaves out and how much plans cost, is in our guide to private health insurance in Ontario. For the dental side, see Canadian Dental Care Plan vs private insurance.
5What It Costs
Price depends mostly on your age and the level of coverage. Most insurers only give a price through a quote. Canada Life publishes examples: for a 25-year-old single person in Ontario, its Select plan is $80 a month and Select plus is $139 a month. Book a call above and an advisor will bring you prices for your age from the insurers that fit.
6How It Works
- Book a call at a time that suits you, by phone or video, in your language.
- We ask what you spend on drugs, dental, therapists and glasses, and which public programs you have.
- We compare plans from the insurers we work with and explain the maximums, waiting periods and health questions.
- You apply with the insurer you choose. There is a $0 advisor fee: the insurer pays us a commission, and your price is the same as buying direct.
7Frequently Asked Questions
Can I buy health and dental insurance without a job in Ontario?
Yes. Insurers sell personal health and dental plans to individuals and families. Some ask health questions and some have guaranteed acceptance. If you just lost workplace benefits, most insurers have a plan with no medical questions if you apply within 60 or 90 days.
Which insurers does EGE Insurance compare for health and dental?
For personal health and dental plans, we compare Manulife, Sun Life, Canada Life, GreenShield and Desjardins. Which plans you can get depends on your age, your health answers and your province.
How much does personal health and dental insurance cost?
It depends on your age and the coverage level. Canada Life publishes examples for a 25-year-old single person in Ontario: $80 a month for its Select plan and $139 a month for Select plus. Book a call for prices for your age.
Do you charge a fee to compare plans?
No. There is a $0 advisor fee. The insurer you choose pays EGE Insurance a commission, and your price is the same as buying direct.
Will a private plan affect the Canadian Dental Care Plan?
It can. You don't qualify for the Canadian Dental Care Plan if anyone in your family has access to dental insurance, including a plan you buy yourself. We check this before we quote.
Get Health and Dental Prices for Your Age
Book a time and a licensed EGE Insurance advisor will compare plans from the insurers we work with, and tell you plainly if a public program covers you better. Call (416) 477-1516 or email cs@egeinsure.ca. Advisors available in 8 languages.