Individual Health & Dental Insurance in Canada
Flexible, affordable plans for you or your family, without a work plan.
Individual health insurance helps you manage the cost of medical care, from prescriptions to dental to vision. Compare personalized plans online and find the right fit for your health and budget.
Prefer to talk? Call a licensed broker: 1-800-474-4474 (Monday to Friday, 8:30 a.m. to 5 p.m. ET). No broker fees.
Which Plan Fits You?
Just lost your group benefits?
Apply for Manulife FollowMe within 90 days and you won't be asked medical questions.
Have a pre-existing condition?
Guaranteed acceptance plans don't ask medical questions, so you can't be turned down.
Retiring or retired?
Keep drug and dental coverage after your work plan ends.
Self-employed or no work plan?
Compare Manulife Flexcare and Blue Cross plans side by side.
COVERAGE
Individual Health Coverage Summary
Individual health insurance plans (also referred to as “personal” or “family” health insurance) typically offer the following benefits, some of which may be optional:
Prescription Drug Coverage
Vision care (eyeglasses, exams, etc.)
Registered specialists and therapists
Hospital rooms & Ambulance transportation
Dental Benefits (basic, preventive and major dental services)
Durable medical equipment
Compare Individual Health Insurance Quotes for Free
Compare providers like Manulife, Blue Cross, and more. It takes only a minute.
How much does individual health insurance cost?
Most individual plans cost about $75–$200 a month for a single adult. Basic plans start lower: Blue Cross Complete Health Basic runs about $29–$100 a month, and Manulife Flexcare DrugPlus Basic about $85–$165. Fuller plans such as Manulife Flexcare ComboPlus Enhanced run about $194–$270. Your price depends on your age, your province, who you cover and how much drug, dental and vision coverage you choose.
See your price- Blue Cross Complete Health Basic$29–$100/mo
- Manulife Flexcare DrugPlus Basic$85–$165/mo
- Manulife Flexcare ComboPlus Enhanced$194–$270/mo
Typical monthly ranges for a single adult.
Free Services We Offer
Compare instant quotes from leading Canadian benefit companies side-by-side.
No-cost assistance in purchasing your personal health insurance (we can help with any issues during the underwriting process).
Purchase family health and dental benefits online.
Free consultation with a licensed, experienced Canadian insurance broker is available ONLY if you would like to talk to an insurance expert over the phone.
Compare Plans
For the full details concerning coverage (e.g. paramedical, etc.) please see the health plan details page
Manulife Coverage: FollowMe & Flexcare
FollowMe is for people whose group benefits recently ended. Apply within 90 days and Manulife won’t ask medical questions (120 days if you’re leaving a Manulife group plan). Flexcare lets you build your own plan from drug, dental and health options. Most Flexcare plans ask medical questions; ComboPlus Starter doesn’t.
Guaranteed Acceptance Insurance
Guaranteed acceptance plans don’t ask any medical questions, so you can’t be turned down because of your health. They’re a good fit if you have a pre-existing condition. Coverage limits are lower than on plans that ask medical questions, and some plans have waiting periods for certain benefits.
Health and Dental Conversion Plans
A conversion plan lets you keep health and dental coverage after your group benefits end, usually with no medical questions if you apply within a set window (90 days for Manulife FollowMe). It’s the simplest way to avoid a gap in coverage when you leave a job, retire early or your employer drops its plan.
Not sure which plan fits? Talk to a licensed broker: 1-800-474-4474.
We compare plans from several insurers, and there’s no fee to work with us.
Frequently Asked Questions
Are birth control pills (contraception) covered?
It depends on the plan. Birth control is covered on Manulife Flexcare plans with Enhanced drug coverage, on SunLife Enhanced plans, and on Blue Cross plans that include prescription drugs.
When does my benefits coverage start?
This depends on the insurance carrier you select, but usually coverage will commence once the first day of the next month after your first payment installment has been received.
What are eligible prescription drugs?
Eligible prescription drugs are drugs with a DIN # ( drug identification number) that are prescribed by a physician.
Fertility drugs are generally excluded, except in the FlexCare Enhanced plans.
Some lifestyle drugs and experimental drugs that have not been approved by the Medical Association are excluded.
Some mixed drugs that have an SN number but no DIN number are not covered.
Over-the-counter drugs are not eligible medications.
Reimbursement of drugs is based on the lowest-cost generic equivalent if available, on all individual health plans.
For more detailed information, please see our article “Prescription Drugs and Health Insurance“.
I’m retiring. Do you have insurance plans for me?
Yes! See our retiree health and dental plans to find health plans for retiring employees.
What is Manulife Vitality?
Manulife Vitality Add-On is for individuals looking for premium discounts on healthy living. About the Manulife Vitality add-on
How many personal health insurance quotes can I get?
You can get as many quotes as you would like, there is no limit.
Can I come back at a later date and then purchase family health insurance?
Yes, you can come back to our site at any time to either get more health quotes or to purchase health and dental benefits. Take as much time as you would like to decide what is best for you!
What does Blue Cross offer in Ontario?
See which health insurance plans Blue Cross offers in Ontario here!