Better Benefits. Designed For You. 

We're different than other plans.

Health Plus Insurance was designed by small business for small business. No matter where you work, we believe you deserve great benefits. Whether you own a business or work for someone else, freelance or on contract, Health Plus plans were created to offer you a better option for affordable health insurance. 



Health Plus PRIORITY

Our basic comprehensive health and dental plan covers more than other plans. High maximums and no low per-visit limits protect you and your family from unexpected health bills. Plus, unlike other plans, get the same low rates for all ages. 

Health Plus OPTIMUM

All the great coverage and advantages included in the PRIORITY plan plus Vision coverage. OPTIMUM plans also include higher reimbursement rates for health, paramedical and dental services so you get even more for your money. 

Who is Health Plus For?

  • Employees
    In a big or small business. If you're on your own for health insurance Health Plus is your personal benefit plan. 
  • Freelancers & Contract Workers
    Steady coverage. Working full-time, part-time, between gigs or changing projects, your plan can go with you. 
  • Self-employed, Entrepreneurs & Independent Professionals
    Start-up, established, or somewhere in between. Solid options now and a plan that can grow with you. Health Plus also works well for teams.
  • Singles or Families
    Affordable options. On your own, single parent, couple, or large family.

What's Included ... 


The best value health insurance plan you'll find. Comprehensive, quality coverage: drugs ($30 000 per year), higher limits for paramedical services, no low per visit maximums, semi-private hospital, diagnostic tests, vision, and much more


Coverage for routine care, check-ups, fillings, even root canals, and major restorative work such as bridges, crowns, and dentures. Never avoid phone calls from the dentist's office again. 


Emergency out-of-Canada health coverage. 60 days per person per trip. No limit on the number of trips per year. 24-7 support to help you find care while you're away. Enjoy every vacation with complete peace  of mind. 


Professional and wellness resources you won't find with other plans, at no extra cost. Including your LifeWorks Employee Assistance Program (EAP).

  • Confidential Counselling
  • Personalized Prescribing
  • Custom HR Advice

You Might Be Asking ...  

I'm perfectly healthy, why should I get insurance?

When we're young and healthy we feel invincible so it's easy to put off applying for insurance. In reality, even if you're not spending much now, when you're healthy, it's the best time to sign up for health insurance. In fact, it's the only time you're guaranteed to get the lowest rates and that you will be covered if anything happens in the future. If you become ill or injured and then try to apply for the coverage you need, you may no longer qualify at all. Or, your monthly premiums will be much higher, often for much lower levels of coverage. 

How do I qualify? Is there a medical questionnaire?

Yes, to apply for Health Plus PRIORITY or OPTIMUM plans, you will need to complete a short online questionnaire that covers any current and previous health conditions and treatment. All information is kept completely private. You can apply up until age 75 as long as you are working. If you're retired, ask us about our retiree plan option. 

Approval requires general good health. However, at Health Plus we handle pre-existing conditions differently than other companies. While other insurers may deny coverage or exclude coverage for health issues related to your pre-existing condition, we want to see you protected. In many cases we will include the full coverage for a modest rate adjustment. If your history does exclude you from PRIORITY or OPTIMUM plans your advisor can help you find a guaranteed acceptance plan options that may be right for you. If you're concerned or have questions about qualifying, we're happy to talk to you about your specific situation and options.  

Who is Health Plus Insurance?

Health Plus is a different kind of insurance company. We're an independent, family-run business committed to offering better benefit solutions than the big guys. 

We designed our Health Plus PRIORITY and OPTIMUM plans to provide business owners, entrepreneurs, freelancers, and contract workers a better option for health and dental insurance. 

Health Plus plans are fully insured. We've partnered with industry leaders so you can be confident your claims are handled quickly and professionally. Health Plus claims are administered by MDM Insurance Services. Travel coverage is provided by the Co-operators. Wellness Benefits are brought to you in partnership with Beneplan. 

How do I know a Health Plus plan is really the best plan for me?

Don't worry, you won't hurt our feelings if you're reluctant to take the leap right away. Insurance plans can be hard to compare. Insurance companies too often use confusing language and hide limits in fine print. We're a full-service broker which means we're knowledgable about and licensed to sell plans from all the top insurers. We can help you compare and we'll be upfront about the most important considerations when choosing a plan, including where coverage levels matter most and what to expect in rate stability. This advice is free of charge. 

If you'd like to do some research and compare on your own, check out this post to get you started: How to get the best value when you shop for health insurance

Have more questions? View our Frequently Asked Questions.