Ontario · November 4, 2026 · 5 min read

Ontario Health Premium 2026: What You Pay by Salary

The Ontario health premium runs from $0 to $900 a year. Most workers land on just two numbers: $600 or $750. The catch is that it is based on taxable income, not your gross salary — and it stays flat across huge income ranges.

How we check the numbers: every figure on this page is calculated from official CRA, Statistics Canada or Bank of Canada data and cross-checked with the free calculators on this site — run them yourself to verify.

The short version

Range, 2026$0 to $900

At $50,000 taxable income$600 / year

At $100,000 taxable income$750 / year

Maximum reached at$200,600

At $50,000 of taxable income you pay $50.00 a month. At $100,000 you pay $62.50 a month. And at $200,000 you still pay $62.50 a month — the premium does not rise again until taxable income passes $200,000, and it caps at $900 ($75.00 a month) at $200,600.

What you pay, by salary

The table below assumes your salary equals your taxable income — no RRSP contributions, no other deductions. In real life, deductions lower taxable income first, and the premium follows taxable income, not the number on your offer letter.

$20,000 or less: $0. No premium at all.
$25,000: $300. 6% of the $5,000 over $20,000 = $300, and it stays at $300 up to $36,000.
$40,000: $450. $300 plus 6% of the $4,000 over $36,000 would be $540, capped at $450. It stays at $450 up to $48,000.
$50,000: $600. The $48,000–$72,000 tier caps at $600, reached at $48,600. That is $50.00 a month, or $23.08 per biweekly pay.
$60,000: $600. Same flat $600 — $50.00 a month.
$75,000: $750. The $72,000–$200,000 tier caps at $750, reached at $72,600. That is $62.50 a month, or $28.85 per biweekly pay.
$100,000: $750. Same flat $750.
$150,000: $750. Same flat $750.
$200,000: $750. Still $750 — the cap has not moved yet.
$200,600 and above: $900. $750 plus 25% of the $600 over $200,000 = $900. That is $75.00 a month, and it never goes higher.

The pattern to remember: the premium climbs only in five narrow phase-in bands — $20,000–$25,000 at 6%, $36,000–$38,500 at 6%, $48,000–$48,600 at 25%, $72,000–$72,600 at 25%, and $200,000–$200,600 at 25%. Everywhere else it is a flat amount, so a raise inside a flat band does not change your premium by a dollar.

Salary is not taxable income — and that can save you $150

Take a $50,000 salary. With no deductions, taxable income is $50,000 and the premium is $600. Contribute $2,000 to an RRSP and taxable income falls to $48,000 — and the premium falls to $450. That is $150 saved on the premium alone, on top of the income tax saved on the $2,000 deduction.

The reverse also matters: a bonus, a second job, or taxable investment income can push taxable income over a phase-in band even if your base salary did not change. Check line 26000 on your return, not your salary, to find your tier.

How it shows up, and what it is not

On your pay stub: for most employees the premium is deducted automatically and folded into the income tax deduction — there is usually no separate “health premium” line to spot.
Self-employed: you pay it as part of your tax return, on Form ON428, and you may need to pay by instalments if the amount is large.
Not OHIP eligibility: Ontario states the premium is not linked to OHIP and does not affect eligibility for health care in Ontario.
Not the employer health tax: that is a separate levy employers pay on payroll. The health premium here is the individual charge on your own taxable income, and it is assessed per person regardless of marital status.
Not indexed: the $20,000, $36,000, $48,000, $72,000 and $200,000 thresholds have not moved with inflation, so more workers drift into the higher flat amounts over time even without a real raise.

Frequently asked questions

Is the Ontario health premium based on salary or taxable income?

Taxable income, not gross salary. The premium is calculated on your taxable income (line 26000 of your return), so RRSP contributions and other deductions that lower taxable income can lower the premium.

How much is the Ontario health premium at $50,000, $100,000 and $200,000?

$600 a year at $50,000 of taxable income, $750 a year at $100,000, and $750 a year at $200,000. It reaches the $900 maximum at $200,600 of taxable income.

Why is the premium the same $750 from $75,000 to $200,000?

The formula caps each tier. The $750 tier phases in at 25% between $72,000 and $72,600, then stays flat at $750 until taxable income passes $200,000, so most middle- and upper-middle-income earners pay the same amount.

Does paying the health premium affect OHIP eligibility?

No. The Government of Ontario states the health premium is not linked to OHIP and does not affect a person's eligibility to receive health care in Ontario.

How is the Ontario health premium paid?

For most employees it is deducted from pay as part of the income tax deduction on the pay stub. Self-employed people pay it as part of their tax return, on Form ON428.

Sources

See your full Ontario take-home pay

The premium is only one line. Run your whole salary through the Ontario salary calculator, or see the worked example at $50,000 in Ontario, after tax.

Educational content only — not financial advice. Figures are estimates; confirm your own situation with the CRA or a licensed financial advisor. See our Disclaimer.