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Individual Health Insurance

No group plan?
No problem.

Individual health coverage, built around your life — whether you’re self-employed, retiring, or just in between plans.

Self-Employed Lost Benefits Retiree Family
See Plans & Apply Or speak with an advisor
30%
without coverage
7.3M
gig workers uninsured
Independent across 20+ carriers
5-Star Google Rated
Response Within 1 Business Day
Canadians without coverage
30%
Of Canadians have no supplemental health coverage. Provincial plans don’t cover drugs, dental, or paramedical.
7.3M
gig or self-employed, most with no coverage
29%
paid $1,000+ out of pocket last year
20+
carrier & service partners

Who we help

Individual health coverage for every Canadian.

Self-Employed & Solopreneurs
Individual plans, HSAs, association plans — matched to your business structure.
Lost Your Benefits
Left a job? You have a 60–90 day window to convert without medical underwriting.
Time-sensitive
Retirees
Group coverage ends at retirement. We help you find the right individual plan to fill the gap.
Families
One plan covering the whole family — drug, dental, paramedical, and more.
New to Canada
3-month provincial waiting period? We bridge the gap before your coverage begins.
Students
Aging off a parent plan? Your first independent health coverage starts here.
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What’s covered

What provincial health misses.

OHIP covers doctor visits and hospital stays. Everything else — drugs, dental, vision, paramedical, mental health — comes out of your pocket without a plan.

Prescription drugs
Most-claimed benefit. Provincial covers very little for most Canadians.
Dental
29% of Canadians paid $1,000+ out of pocket last year.
Vision
Eye exams and glasses routinely excluded from provincial plans.
Mental health
Therapy and counselling — demand up significantly since 2020.
Paramedical
Physio, massage, chiro, naturopathy — highly utilised by most families.
Telemedicine
Virtual care — now bundled into most modern individual plans.
Not sure where to start?
Tell us your situation.
We’ll find the right plan.
Complex cases — pre-existing conditions, retiring, or converting from group coverage — benefit from a conversation before you apply.
Speak With an Advisor

Apply directly

Apply directly — no advisor needed.

Most plans take 10–15 minutes online. Pick your situation, choose your carrier, and apply. We work with more carriers beyond these three — reach out if none fit.

GreenShield Canada
Best for self-employed

Non-profit. ZONE plans built for self-employed Canadians. Guaranteed acceptance at lower tiers. Bundled telemedicine and free Rx delivery.

Non-profit Apply →
Manulife
Best overall range

Widest plan variety in Canada. FollowMe for conversion — no medical underwriting within the window. Flexcare 65+ for retirees.

FollowMe plan Apply →
GMS
Best for budget

Frequently among the lowest premiums. Clear, simple structures. Strong for seniors and budget-conscious clients.

Low premiums Apply →

Non-profit. ZONE plans built for self-employed Canadians. Guaranteed acceptance at lower tiers. Bundled telemedicine and free Rx delivery.

Apply with GreenShield →

Widest plan variety in Canada. FollowMe for conversion — no medical underwriting within the window. Flexcare 65+ for retirees.

Apply with Manulife →

Frequently among the lowest premiums. Clear, simple structures. Strong for seniors and budget-conscious clients.

Apply with GMS →

Apply Direct

Common questions

Plain English answers.

Individual health plans are typically designed to help with everyday health costs that aren’t fully covered elsewhere — things like prescription drugs, dental, vision, and paramedical services such as physiotherapy or massage. What’s included and at what level varies considerably between plans, so it’s worth reviewing the details with an advisor.
These plans are often a fit for people without coverage through an employer — including the self-employed, contract or gig workers, retirees, and those between jobs. Whether it makes sense for you depends on your situation, and an advisor can help you think it through.
It depends on the plan. Some options ask health questions during the application, while others are designed to be more accessible regardless of medical history, often with certain trade-offs in coverage. An advisor can help you understand which approach may suit your circumstances.
They work differently. A traditional health plan generally reimburses eligible expenses according to set categories and limits, while a health spending account provides a pool of funds you can apply flexibly across eligible costs. Which approach fits best depends on your needs, and an advisor can walk you through the options.
Yes. GreenShield ZONE 2–3 and Canada Life PlanDirect offer guaranteed acceptance with no medical questions. Other plans may add waiting periods or exclusions for pre-existing conditions.
Act within 60–90 days. Most carriers allow conversion from group to individual without medical underwriting inside that window. After it closes, full underwriting applies and pre-existing conditions may be excluded.
Yes — some carriers offer one-life group plans. Incorporated owners also have access to HSAs, which let you treat eligible medical expenses as corporate deductions.

Ready?

Coverage built around your life — not a group plan template.

Whether you’re self-employed, between jobs, retiring, or just starting out — we’ll find the right individual plan for your situation.

Speak With an Advisor Apply Directly →