Ontario Health Premium Calculation 2025 Brackets
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Reviewed by Calculator Editorial Team
Ontario's health premium system helps cover the cost of health care services for residents who do not have provincial health insurance. The premium amount is based on your household income and the number of people in your family. This guide explains how the 2025 brackets work and how to calculate your premium.
2025 Income Brackets
For 2025, the Ontario Health Premium brackets are as follows:
| Household Income | 1 Person | 2 People | 3 People | 4+ People |
|---|---|---|---|---|
| $0 - $25,000 | $120 | $150 | $180 | $210 |
| $25,001 - $35,000 | $150 | $180 | $210 | $240 |
| $35,001 - $45,000 | $180 | $210 | $240 | $270 |
| $45,001 - $55,000 | $210 | $240 | $270 | $300 |
| $55,001 - $65,000 | $240 | $270 | $300 | $330 |
| $65,001 - $75,000 | $270 | $300 | $330 | $360 |
| $75,001 - $85,000 | $300 | $330 | $360 | $390 |
| $85,001 - $95,000 | $330 | $360 | $390 | $420 |
| $95,001+ | $360 | $390 | $420 | $450 |
These brackets are based on the total household income for the year. The premium amount increases as your income increases and as the number of people in your household increases.
Calculation Method
The Ontario Health Premium is calculated using the following formula:
Where:
- Base Amount - The minimum premium amount for your income bracket
- Income Bracket Multiplier - The additional amount per person for your income bracket
- Number of People - The number of people in your household
The exact premium amount is determined by:
- Determining your household's total income for the year
- Finding the appropriate income bracket
- Looking up the base amount and multiplier for that bracket
- Multiplying the multiplier by the number of people in your household
- Adding the base amount to get your total premium
Important: The Ontario Health Premium is a monthly fee. You will pay this amount each month until your income changes or you qualify for provincial health insurance.
Example Calculation
Let's calculate the 2025 Ontario Health Premium for a household with 3 people and a total income of $42,000.
- Determine the income bracket: $42,000 falls in the $35,001 - $45,000 bracket
- For 3 people, the base amount is $180 and the multiplier is $30 per person
- Calculate the additional amount: 3 people × $30 = $90
- Add the base amount: $180 + $90 = $270
Therefore, the 2025 Ontario Health Premium for this household would be $270 per month.
Note: This is an example calculation. Your actual premium may vary based on your specific income and household size.