What’s the Best Health Insurance in Saskatchewan?

Health insurance in Saskatchewan 101

What’s covered by the government: Saskatchewan’s provincial healthcare plan covers medically-necessary physician and hospital services, along with certain paramedical services such as physiotherapy and occupational therapy, STI treatment, HIV testing, and treatment for substance abuse and problem gambling. Saskatchewan residents receiving income support and their dependents may also be eligible for coverage of certain routine dental, vision, and prescription drug services. 

What’s not: Unless you qualify for special benefits based on income or disability, you likely don’t have coverage for prescription drugs, dental and vision care, most paramedical services, or extended healthcare through Saskatchewan Health. A private health insurance plan can fill in these coverage gaps. 

What’s the best health insurance in Saskatchewan?

We’ve identified the best health insurance in Saskatchewan by evaluating 65 products from 9 insurers in 3 categories:

• Customer service averages the scores given in real customer reviews on Google, the Better Business Bureau, Trustpilot, and Insureye.
• Financial stability reports the grade given by reputable credit rating agencies A.M. Best, Morningstar DBRS, and S&P Global.
• Value for money measures how much coverage you can claim in return for every dollar paid in co-payments, premiums, and deductibles.

The result is a definitive ranking of the best health insurance plans for self-employed workers, seniors and everybody else in Saskatchewan.

^{* Prices reflect the approximate costs for residents in the relevant age group in Saskatchewan. They were last updated October 20th, 2025.}

1. Guaranteed Issue Classic from PolicyMe

Why it’s the best: PolicyMe’s mid-range Guaranteed Issue Classic health insurance plan does the best job of filling in gaps left by Health Saskatchewan’s public insurance coverage while keeping rates affordable. Plan benefits include 70% coverage for prescription drugs, coverage for a wide range of dental procedures, vision coverage, and excellent extended health benefits, including coverage for mental health care. 

Premiums start around $90.68/month for applicants ages 21-44 in Saskatchewan.

2. Freedom to Choose Select Elite from Canada Life

‍Why we chose it: For families with a larger healthcare budget and high routine healthcare spending, the Freedom to Choose Select Elite plan from Canada Life or a similar premium plan may be the best option. Households that don’t meet eligibility criteria for prescription drug coverage through Saskatchewan Health can get 90% reimbursement for prescriptions, including medical cannabis and birth control. The plan also includes robust dental and extended health benefits, making it a good choice for those with significant needs in these areas.  

Premiums start around $145.00/month for applicants ages 18-34 in Saskatchewan.

3. BasicPlan with Drug and Dental from GMS

Why we chose it: The BasicPlan is exactly what it calls itself: an extremely basic health insurance plan. If you’re looking for the cheapest possible option that includes dental insurance, prescription drug coverage, and reimbursement for some paramedical services like chiropractor visits, the BasicPlan with Drug and Dental might meet your needs. 

GMS also offers two plans with higher coverage levels, so if you like the features of the BasicPlan but need additional coverage for things like vision care or mobility aids, you may find a good alternative with the ExtendaPlan or OmniPlan. 

Premiums start around $66.50/month for applicants ages 18-44 in Saskatchewan.

Working with a tight budget?

If you need more coverage than the GMS BasicPlan offers but can’t afford high premiums, PolicyMe’s Guaranteed Issue Economic plan is one of the cheapest health insurance plans in Saskatchewan, with coverage for dental, vision, prescription drug, paramedical, mental health, and extended healthcare services.

What’s the best health insurance for seniors in Saskatchewan?

Seniors in Saskatchewan may have unique health needs compared with other age groups. In addition to added health concerns, some seniors, such as retirees, may be on a fixed income, which makes finding the right private health coverage for your budget especially important. 

For most seniors, a guaranteed acceptance plan is the best option. GMS’s ExtendaPlan and OmniPlan don’t require a medical exam and allow seniors to pick and choose the coverage that matters most to them. For example, if your dental health is good but you have significant prescription drug costs that you’d like covered at a higher level than the plans offered by Saskatchewan Health, the ExtendaPlan with Enhanced Prescription Drugs is a competitive option starting at $151.50/month for seniors in Saskatchewan. Or, if you need robust extended health benefits but are satisfied with your prescription drug coverage and dental care, you might choose the OmniPlan, starting at $52.25/month for seniors. 

PolicyMe’s three Guaranteed Issue plans may also meet a range of seniors’ medical insurance needs. From the Economic plan to the Advanced plan, each policy focuses on balancing generous amounts of coverage across a range of spending categories. 

Methodology

There are many points to consider when choosing a health plan and provider, which we boiled down to three essentials:

Because the Canadian insurance industry is so highly regulated, we take each company's Financial Stability score as a given. Our rankings are based on each company's Customer Service score plus the Value for Money score of its highest-rated plan in the relevant category.

How much does health insurance in Saskatchewan cost?

The cost of health insurance in Saskatchewan depends on your age, the plan you select, and whether or not you’re also insuring a partner or children. 

On average, households in Saskatchewan spent $715 on health and dental premiums in 2023 — and $2,407 in out-of-pocket medical expenses, for a total of $3,264 in healthcare spending. By purchasing a personal health insurance plan, Saskatchewan families could reduce out-of-pocket spending by $1,000 or more. For instance, PolicyMe’s Guaranteed Issue Classic plan — our top pick in Saskatchewan — could save households an average of $1,527.50 per year. 

As for what you’ll pay, here’s a comparison of monthly health insurance quotes for the top 3 health insurance policies in Saskatchewan:

^{* Prices reflect the approximate costs for residents in the relevant age group in Saskatchewan. They were last updated October 20th, 2025.}

What does Saskatchewan Health cover?

Saskatchewan Health fully covers the following community and medical services for all residents who hold a valid Saskatchewan Health card.  

In addition to fully-covered medical and community services, Saskatchewan Health offers partial coverage to residents for services including ambulance transport, home care, long-term care, dental care, vision services, prescription drugs, and more. Residents can also access Saskatchewan Health coverage for medical care received in other provinces, but medical care received outside of Canada is reimbursed at the rate of those services provided in Saskatchewan, which typically means individuals will incur some out-of-pocket costs. 

For more information about the medical services that are only partially covered by Saskatchewan Health, consult the table below. 

The province also offers the following health benefits for Saskatchewan residents in low-income households:

How to find the best health insurance for you

While we think our three recommendations can meet the needs of most individuals and families in Saskatchewan, no single health insurance plan is right for everyone. Follow the steps below to find the best option for you: 

1. Take stock of your current coverage: What health insurance benefits do you currently have access to, and are you utilizing them fully? Think about public healthcare, a group benefits plan that you or your spouse may have access to, and any other programs you qualify for. 
2. Track your current medical spending: Go back through your records, receipts, and inboxes to estimate the total amount you spent on medical services not covered by insurance in the past 12 months. 
3. Consider any anticipated medical expenses: If you’re expecting to need major dental work, paramedical services, or other medical care not covered by your current insurance in the next few years, try to estimate the total cost of these services. 
4. Calculate your coverage gap: Add the total of your current spending to your anticipated spending and divide the resulting figure by 12 to get the monthly out-of-pocket coverage gap a private health insurance plan would need to cover. 
5. Request quotes: Look for private insurance plans that match your coverage needs and request quotes for each policy. Compare your monthly quoted premiums with your coverage gap to determine how much you could save by purchasing a policy. 

The health insurance companies featured on this page may be a great starting point in your search, but they’re not the only options for residents of Saskatchewan. Keep your unique healthcare needs in mind when shopping for the best health insurance for you and your family. 

FAQ: Best health insurance in Saskatchewan

Prices listed on this page are based on information available as of October 2025. The prices shown are for general reference only and may vary based on factors like your age, location, and product selection.