Ontario Health Premium 2025 Calculation Thresholds Table
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Reviewed by Calculator Editorial Team
The Ontario Health Premium (OHP) is a provincial health insurance program that provides coverage for residents of Ontario who do not qualify for provincial health insurance. The premium is based on household income and is calculated using specific thresholds that change annually. This guide explains the 2025 calculation thresholds and how to determine your premium amount.
Introduction
The Ontario Health Premium (OHP) is a mandatory health insurance program for residents of Ontario who do not qualify for provincial health insurance. The premium is based on household income and is calculated using specific thresholds that change annually. The 2025 thresholds are set by the Ontario government and are used to determine the amount of the premium that each household must pay.
This guide explains the 2025 Ontario Health Premium calculation thresholds and how to determine your premium amount. It also provides worked examples to help you understand how the calculation works.
2025 Ontario Health Premium Thresholds
The 2025 Ontario Health Premium thresholds are based on household income and are used to determine the amount of the premium that each household must pay. The thresholds are as follows:
| Household Size | 2025 Income Threshold | 2025 Premium Amount |
|---|---|---|
| 1 person | $25,000 | $1,250 |
| 2 people | $30,000 | $1,500 |
| 3 people | $35,000 | $1,750 |
| 4 people | $40,000 | $2,000 |
| 5 people | $45,000 | $2,250 |
| 6+ people | $50,000 | $2,500 |
If your household income is below the threshold for your household size, you will not be required to pay the Ontario Health Premium. If your household income is above the threshold, you will be required to pay the premium amount listed in the table.
How to Calculate Your Premium
To calculate your Ontario Health Premium for 2025, follow these steps:
- Determine your household size.
- Find your household income threshold based on your household size.
- Compare your household income to the threshold.
- If your income is above the threshold, pay the premium amount listed in the table.
Formula
If Household Income > Threshold for Household Size, then Premium = Premium Amount for Household Size.
Otherwise, Premium = $0.
Note
The Ontario Health Premium is a mandatory health insurance program for residents of Ontario who do not qualify for provincial health insurance. The premium is based on household income and is calculated using specific thresholds that change annually.
Worked Examples
Here are two worked examples to help you understand how the Ontario Health Premium calculation works.
Example 1: Single Person Household
A single person with a household income of $28,000.
- Household size: 1 person.
- Threshold: $25,000.
- Income ($28,000) > Threshold ($25,000).
- Premium: $1,250.
Example 2: Four Person Household
A household of four with a household income of $38,000.
- Household size: 4 people.
- Threshold: $40,000.
- Income ($38,000) < Threshold ($40,000).
- Premium: $0.
Frequently Asked Questions
- What is the Ontario Health Premium?
- The Ontario Health Premium is a mandatory health insurance program for residents of Ontario who do not qualify for provincial health insurance. The premium is based on household income and is calculated using specific thresholds that change annually.
- How is the Ontario Health Premium calculated?
- The Ontario Health Premium is calculated based on household income and household size. The thresholds for 2025 are listed in the table above. If your household income is above the threshold for your household size, you will be required to pay the premium amount listed in the table.
- When do the 2025 Ontario Health Premium thresholds take effect?
- The 2025 Ontario Health Premium thresholds take effect on January 1, 2025. The premium is calculated based on the household income for the previous year.
- Can I appeal my Ontario Health Premium amount?
- Yes, you can appeal your Ontario Health Premium amount if you believe it is incorrect. You can appeal by submitting a request to the Ontario government.
- Where can I find more information about the Ontario Health Premium?
- You can find more information about the Ontario Health Premium on the Ontario government website.