Ontario Health Premium Calculation 2025 Thresholds
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Reviewed by Calculator Editorial Team
Calculate your Ontario Health Premium for 2025 using this official calculator. The Ontario Health Insurance Plan (OHIP) premium is based on your household income and the number of people in your family. This guide explains how the premium is calculated and what the 2025 income thresholds are.
How Ontario Health Premiums Work
The Ontario Health Insurance Plan (OHIP) provides health care coverage to all Ontario residents. For households with incomes above certain thresholds, a premium is charged to help fund the program. The premium amount is based on your household income and the number of people in your family.
Note: The premium is only charged to households with incomes above the 2025 thresholds. For households below these thresholds, OHIP coverage is free.
Premium Calculation Factors
The premium is calculated using the following formula:
Premium = (Household Income - Threshold) × Rate
Where:
- Household Income - Total income of all members of the household
- Threshold - The 2025 income threshold for your household size
- Rate - The applicable premium rate (varies by province and year)
The premium is calculated annually and is based on the previous year's income. The premium amount is then divided equally among all household members.
2025 Income Thresholds
The 2025 income thresholds for Ontario Health Premiums are as follows:
| Household Size | 2025 Income Threshold |
|---|---|
| 1 person | $50,000 |
| 2 people | $60,000 |
| 3 people | $70,000 |
| 4 people | $80,000 |
| 5+ people | $90,000 |
Households with incomes above these thresholds will be charged a premium. The exact premium amount depends on your household income and the applicable premium rate for 2025.
Important: The 2025 thresholds are subject to change. Always verify the latest thresholds with the Ontario government before calculating your premium.
Calculation Method
To calculate your Ontario Health Premium for 2025:
- Determine your household size (number of people in your household)
- Find the 2025 income threshold for your household size from the table above
- Calculate the difference between your household income and the threshold
- Multiply the difference by the applicable 2025 premium rate
- The result is your annual Ontario Health Premium
The premium rate for 2025 is expected to be 2.5% of the income above the threshold. This rate may vary slightly depending on the province and year.
Example Calculation:
Household Size: 3 people
2025 Threshold: $70,000
Household Income: $85,000
Premium = ($85,000 - $70,000) × 2.5% = $3,750
Worked Example
Let's calculate the Ontario Health Premium for a household with 4 people and an income of $95,000.
- Household Size: 4 people
- 2025 Threshold: $80,000
- Income Above Threshold: $95,000 - $80,000 = $15,000
- Premium Rate: 2.5%
- Premium Amount: $15,000 × 2.5% = $375
The annual premium for this household would be $375. This amount would be divided equally among the 4 household members, resulting in a monthly premium of approximately $9.38 per person.
Note: This is an example calculation. The actual premium may vary based on the official 2025 thresholds and rates.
Frequently Asked Questions
Who is eligible for the Ontario Health Premium?
Households with incomes above the 2025 thresholds are eligible for the Ontario Health Premium. The thresholds vary by household size, as shown in the table above.
How is the premium calculated?
The premium is calculated by taking the difference between your household income and the applicable 2025 threshold, then multiplying by the premium rate (2.5% for 2025).
When will the 2025 thresholds be announced?
The 2025 thresholds are typically announced by the Ontario government in the fall of each year. It's recommended to check the official government website for the most up-to-date information.
Can I appeal my premium amount?
Yes, you can appeal your premium amount if you believe it's incorrect. The Ontario government provides an appeals process for households that wish to dispute their premium calculation.
How do I pay my premium?
Your premium will be automatically deducted from your income tax refund if you file your taxes with the Canada Revenue Agency. You can also pay directly to the Ontario government.