Health & Dental Insurance in Ontario

For an example profile (35-year-old, single coverage, mid-tier plan), Instasure’s model estimates roughly $69.00–$120/mo as of October 2026. Your price depends on age and province, family size, plan tier and limits and the insurer — get an instant personalised estimate, then a licensed advisor confirms real insurer quotes.

Yes. Individual life, critical illness and disability policies stay in force if you move within Canada — just update your address with the insurer. Health and dental plans may re-price by province.

Financial Services Regulatory Authority of Ontario (FSRA). FSRA licenses life agents (LLQP) and accident & sickness agents; property & casualty brokers are licensed by the Registered Insurance Brokers of Ontario (RIBO). Complaints about insurers can be escalated to the General Insurance OmbudService (home, auto, business) or the OmbudService for Life & Health Insurance.

The federal Canadian Dental Care Plan helps eligible residents without access to dental insurance and below set income thresholds. If you are not eligible, or want broader coverage and choice, private dental insurance can fill the gap. Eligibility rules are set by the federal government and change over time.

Yes. Guaranteed-issue plans do not ask health questions, though they may limit coverage for pre-existing conditions. Converting a group plan within the allowed window can also protect you.