Ontario Health Premium Calculation

The Ontario Health Premium (OHP) is a monthly contribution that individuals and families must pay to access healthcare services in Ontario. This calculator helps you determine your OHP based on your income and family size.

What is Ontario Health Premium (OHP)?

The Ontario Health Premium (OHP) is a monthly fee that individuals and families must pay to access healthcare services in Ontario. It is part of the province's health insurance system and is designed to help cover the costs of medical services not fully covered by OHIP (Ontario Health Insurance Plan).

The OHP is calculated based on your household income and family size. The amount you pay is determined by your income bracket and whether you are a single individual, a couple, or a family with children.

How to Calculate OHP

The calculation of the Ontario Health Premium is based on your household income and family size. The formula used is:

OHP = (Household Income ÷ Family Size) × Premium Rate

The Premium Rate varies depending on your income bracket. The current rates are as follows:

For incomes up to $40,000: 2.5% of income
For incomes between $40,001 and $80,000: 3.5% of income
For incomes between $80,001 and $120,000: 4.5% of income
For incomes over $120,000: 5.5% of income

To calculate your OHP, you need to know your household income and the number of people in your family. The calculator on this page will help you determine your OHP based on these factors.

Factors Affecting OHP

Several factors can affect the amount of your Ontario Health Premium:

Household Income: Your income is the primary factor in determining your OHP. Higher incomes result in higher premiums.
Family Size: The number of people in your household can affect the amount you pay. Larger families may pay less per person.
Income Brackets: The premium rate varies depending on your income bracket. Higher income brackets have higher premium rates.

It's important to note that the OHP is designed to be affordable for most Ontarians. If your income is very low, you may not be required to pay the premium.

Example Calculation

Let's look at an example to understand how the OHP is calculated. Suppose you have a household income of $60,000 and a family size of 3.

Step 1: Calculate the per capita income.

$60,000 ÷ 3 = $20,000 per capita income

Step 2: Determine the premium rate based on the income bracket.

$20,000 falls in the $40,001 to $80,000 bracket, so the premium rate is 3.5%.

Step 3: Calculate the OHP.

$20,000 × 3.5% = $700 per month

In this example, the Ontario Health Premium for a family of three with a household income of $60,000 would be $700 per month.

Frequently Asked Questions

How is the Ontario Health Premium calculated?

The OHP is calculated based on your household income and family size. The formula is: (Household Income ÷ Family Size) × Premium Rate. The premium rate varies depending on your income bracket.

What factors affect the amount of my OHP?

The amount of your OHP is affected by your household income, family size, and income bracket. Higher incomes and larger families can result in higher premiums.

Is the OHP mandatory for all Ontarians?

The OHP is mandatory for most Ontarians, but there are exemptions for those with very low incomes. If your income is below a certain threshold, you may not be required to pay the premium.

How often is the OHP calculated?

The OHP is calculated annually based on your income and family size. The amount you pay can change each year if there are changes to your income or family size.

Can I appeal my OHP amount if I think it's too high?

Yes, you can appeal your OHP amount if you believe it is too high. You can submit an appeal to the Ontario Health Insurance Plan (OHIP) with supporting documentation.