Free guides & checklists
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Personal Health Insurance Comparison Guide for AlbertansA plain-English personal health insurance comparison for Alberta. Learn what individual plans cover, how to compare carriers, and how to choose.Get it →
Health Coverage Checklist for Self-Employed AlbertansA practical self-employed health coverage checklist for Alberta. Compare drug, dental, vision and paramedical options and find a plan that fits you.Get it →
What to Do When You Lose Your Group Health BenefitsLost group benefits? A plain-English Alberta guide on what to do next, how conversion works, and how to bridge coverage between jobs or at retirement.Get it →
How Personal Health Insurance Works
What personal health plans cover, how they work, and who needs one.
How Does Personal Health Insurance Work in Alberta?A plain-English guide to how personal health and dental insurance works in Alberta — what it covers, waiting periods, costs, and who it's for.Read →
What Does Personal Health Insurance Cover in Canada?A plain-English guide to what a personal health and dental plan covers in Canada — drugs, dental, vision, paramedical — and what's typically excluded.Read →
Personal Health Plan vs Group Benefits: The DifferenceHow personal health insurance differs from group benefits in Alberta — underwriting, cost, coverage and who each one fits. Plain-English guide for the self-employed.Read →
How Much Does Personal Health Insurance Cost in Alberta?What personal health and dental insurance actually costs in Alberta, what drives your premium up or down, and how to avoid overpaying as a self-employed Albertan.Read →
Coverage for the Self-Employed
Health and dental options for self-employed Albertans and contractors.
Health Insurance for Self-Employed Albertans: OptionsNo group benefits? Compare personal health and dental plans, PHSPs and carriers for self-employed Albertans — coverage, cost drivers and mistakes to avoid.Read →
Health Insurance Options for Contractors & Freelancers in CanadaNo group benefits? Here are the real health insurance options for contractors and freelancers in Canada — personal plans, PHSPs, and how to choose in Alberta.Read →
Self-Employed Health Insurance Tax Deduction in CanadaCan self-employed Albertans deduct health and dental premiums? How the PHSP rule works, who qualifies, and what to confirm before you claim.Read →
Comparing Plans and Carriers
How to compare Alberta personal health plans — coverage, cost, waiting periods.
Alberta Blue Cross vs Manulife FlexCare: Which Is Better?An independent, plain-English comparison of Alberta Blue Cross personal plans and Manulife FlexCare for self-employed Albertans — coverage, cost, and fit.Read →
Waiting Periods in Personal Health Insurance CanadaHow waiting periods work in personal health and dental plans in Alberta — which benefits have them, how long they last, and how to plan around them.Read →
Personal Health Insurance & Pre-Existing Conditions CanadaYes, you can get personal health insurance with a pre-existing condition in Canada. Here's how underwriting, guaranteed issue, and waiting periods really work.Read →
Coverage for Specific Situations
Health coverage when you lose group benefits, retire early, or start a business.
Health Insurance Between Jobs in Canada: Keep CoverageLost your job in Alberta? Here's how to keep drug, dental and health coverage during the gap — conversion, personal plans, waiting periods and what to do first.Read →
Health Insurance Options for Early Retirees in CanadaRetiring before 65 in Alberta? Here are your real health, dental and drug coverage options, what they cost, and how to bridge the gap without a group plan.Read →
Health Coverage Options for a New Business Owner in AlbertaNew to running a business in Alberta? Here are your real health and dental coverage options — personal plans, HSAs, and how to choose without a group plan.Read →
Combine a Personal Health Plan With an HSA in AlbertaCan you pair a personal health plan combined with HSA coverage as a self-employed Albertan? How the two work together, and what the CRA allows.Read →
Personal Dental Insurance
How individual dental plans work, what they cost, and what to watch for.
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