Ontario Health Premium 2025 Calculation Table Income Thresholds
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Reviewed by Calculator Editorial Team
The Ontario Health Premium is a provincial health insurance program that provides coverage for eligible Ontario residents. The premium amount is based on household income and is designed to help lower-income families access healthcare services. This guide explains how to calculate the 2025 Ontario Health Premium using the official income thresholds.
How to Calculate Ontario Health Premium 2025
The Ontario Health Premium is calculated based on household income and the number of dependents. The premium amount is determined by comparing your household income to the 2025 income thresholds provided by the Ontario government.
The 2025 Ontario Health Premium income thresholds are based on the federal low-income cut-off (LICO) rates for Ontario. These thresholds are adjusted annually to account for changes in the cost of living.
Steps to Calculate Your Premium
- Determine your household income for the previous year.
- Count the number of dependents in your household (including yourself).
- Compare your household income to the 2025 income thresholds for your household size.
- If your income is below the threshold, you may qualify for the Ontario Health Premium.
- Use the calculator on this page to determine your exact premium amount.
Key Considerations
- Income thresholds are based on the federal LICO rates for Ontario.
- The premium amount is determined by your household income relative to the threshold.
- Dependents can include children, spouses, and other eligible family members.
- Premium amounts are subject to change based on government policy updates.
2025 Ontario Health Premium Income Thresholds
The 2025 Ontario Health Premium income thresholds are as follows:
| Household Size | 2025 Income Threshold |
|---|---|
| 1 person | $35,000 |
| 2 people | $45,000 |
| 3 people | $55,000 |
| 4 people | $65,000 |
| 5 people | $75,000 |
| 6+ people | $85,000 |
If your household income is below the threshold for your household size, you may qualify for the Ontario Health Premium. The exact premium amount is calculated based on your income relative to the threshold.
Calculation Formula
The Ontario Health Premium is calculated using the following formula:
Premium Amount = (Income Threshold - Household Income) × Premium Rate
Where:
- Income Threshold = 2025 income threshold for your household size
- Household Income = Your total household income for the previous year
- Premium Rate = 0.05 (5%) for 2025
The premium rate is currently set at 5% of the difference between your income and the threshold. This rate may change based on government policy updates.
Worked Example
Let's calculate the Ontario Health Premium for a household with 3 people and an income of $50,000.
- Determine the income threshold for a household of 3: $55,000
- Calculate the difference: $55,000 - $50,000 = $5,000
- Apply the premium rate: $5,000 × 0.05 = $250
Therefore, this household would qualify for an Ontario Health Premium of $250.
Frequently Asked Questions
What is the Ontario Health Premium?
The Ontario Health Premium is a provincial health insurance program that provides coverage for eligible Ontario residents. It is designed to help lower-income families access healthcare services.
How is the Ontario Health Premium calculated?
The premium is calculated based on household income and the number of dependents. Your income is compared to the 2025 income thresholds for your household size.
What are the 2025 Ontario Health Premium income thresholds?
The 2025 income thresholds are $35,000 for 1 person, $45,000 for 2 people, $55,000 for 3 people, $65,000 for 4 people, $75,000 for 5 people, and $85,000 for 6+ people.
How do I apply for the Ontario Health Premium?
You can apply for the Ontario Health Premium through the Ontario Works program or by contacting your local Ontario Works office.
Can I get the Ontario Health Premium if I have a higher income?
No, the Ontario Health Premium is only available to households with incomes below the 2025 income thresholds for their household size.