Ontario Health Premium Calculation Table Thresholds Amounts 2025

This calculator helps you determine your Ontario health premium based on the 2025 income thresholds and premium amounts. The Ontario Health Insurance Plan (OHIP) requires eligible individuals to pay a health premium when their income exceeds certain thresholds.

How to Calculate Ontario Health Premium

The Ontario health premium is calculated based on your income relative to the established thresholds. The formula used is:

Formula

If income > threshold, premium = (income - threshold) × premium rate

If income ≤ threshold, premium = $0

The premium rate is 2.5% of the amount by which your income exceeds the threshold. For 2025, the threshold is $53,359 for individuals and $106,718 for families.

2025 Income Thresholds

The 2025 income thresholds for Ontario health premiums are as follows:

Category	2025 Threshold
Individual	$53,359
Family	$106,718

These thresholds are indexed annually to account for inflation. The premium applies to income earned in the year before the premium is paid.

Premium Amounts

The premium amount is calculated as 2.5% of the amount by which your income exceeds the threshold. For example:

If your income is $60,000 (individual threshold), the excess is $6,641
The premium would be $6,641 × 2.5% = $166.03

The premium is paid quarterly, with the first payment due in April of the year following the income year.

Example Calculation

Let's calculate the health premium for an individual with an income of $65,000 in 2024 (2025 premium year).

Determine the threshold: $53,359
Calculate the excess income: $65,000 - $53,359 = $11,641
Calculate the premium: $11,641 × 2.5% = $291.03

The total health premium for this individual would be $291.03, payable in quarterly installments.

Frequently Asked Questions

Who is required to pay the Ontario health premium?: Individuals and families whose income exceeds the established thresholds are required to pay the health premium.
How is the premium calculated?: The premium is 2.5% of the amount by which your income exceeds the threshold. The calculation is based on the previous year's income.
When is the premium due?: The premium is paid quarterly, with the first payment due in April of the year following the income year.
Can the premium be waived?: In some cases, individuals may qualify for a waiver if they meet specific criteria, such as being a full-time student or having a low income.
Where can I find more information about the Ontario health premium?: For more detailed information, you can visit the Ontario Health Insurance Plan website.