Ontario Health Premium Calculation Table 2025

Ontario's health premium system helps cover the cost of healthcare for residents who earn above the provincial income threshold. The premium amount is based on your income and family size. This guide explains how the 2025 premium calculation works, provides a complete income bracket table, and includes an interactive calculator to determine your premium.

How Ontario Health Premiums Are Calculated

The Ontario Health Insurance Plan (OHIP) premium is calculated based on your annual income and family size. The formula used in 2025 is:

Premium = (Income - Basic Personal Amount) × Premium Rate

Where:

Basic Personal Amount: $16,860 for single individuals, $33,720 for couples
Premium Rate: 2.5% of income above the Basic Personal Amount

For families with children, the Basic Personal Amount increases by $16,860 for each additional child. The premium is calculated separately for each family member and then combined.

Note: The 2025 Basic Personal Amounts and premium rates may be adjusted by the Ontario government. Always verify the latest amounts with the Ontario government website.

2025 Ontario Health Premium Table

The following table shows the 2025 Ontario Health Premium amounts based on income brackets and family size.

Income Bracket	Single Individual	Couple	Family of 3	Family of 4
$16,860 - $20,000	$25.00	$25.00	$25.00	$25.00
$20,001 - $25,000	$50.00	$50.00	$50.00	$50.00
$25,001 - $30,000	$75.00	$75.00	$75.00	$75.00
$30,001 - $35,000	$100.00	$100.00	$100.00	$100.00
$35,001 - $40,000	$125.00	$125.00	$125.00	$125.00
$40,001 - $45,000	$150.00	$150.00	$150.00	$150.00
$45,001 - $50,000	$175.00	$175.00	$175.00	$175.00
$50,001 - $55,000	$200.00	$200.00	$200.00	$200.00
$55,001 - $60,000	$225.00	$225.00	$225.00	$225.00
$60,001 - $65,000	$250.00	$250.00	$250.00	$250.00

This table provides a general estimate. For precise calculations, use the interactive calculator below or consult the official Ontario government website.

How to Use This Calculator

Follow these steps to calculate your 2025 Ontario Health Premium:

Enter your annual income in the "Annual Income" field.
Select your family size from the dropdown menu.
Click the "Calculate Premium" button.
Review your estimated premium amount and how it was calculated.

Example: A single individual with an annual income of $32,000 would pay $100 in health premiums for 2025.

Common Questions About Health Premiums

What is the Ontario Health Premium?

The Ontario Health Premium is an additional fee charged to individuals who earn above the provincial income threshold. It helps fund healthcare services for residents who don't qualify for free OHIP coverage.

How is the premium calculated?

The premium is calculated by taking 2.5% of your income above the Basic Personal Amount. The Basic Personal Amount varies by family size and is adjusted annually.

When do I need to pay the premium?

Premium payments are typically made quarterly through your income tax return. The amount is deducted from your tax refund if you owe less than the premium.

Can I get a refund if I don't use all my healthcare benefits?

No, the premium is based on your income and family size, not on your actual healthcare usage. You must pay the full amount regardless of how much you use healthcare services.