Monthly Premium Rates

Basic Premium Rates
Qualifying for Regular Premium Assistance
Information on upcoming MSP premium changes 

In B.C., residents pay monthly MSP rates (premiums). Although insured medical services are mostly paid for by government, these premiums help meet the costs of B.C.’s health-care system.

Basic Premium Rates

Effective Jan. 1, 2017

  • There are no premiums for children under the age of 19.
  • There are no premiums for dependent post-secondary students enrolled in full-time studies (this includes trade, technical or high schools).
  • MSP premium rates will be determined by the number of adults on an MSP account (the MSP account holder and, if applicable, a spouse).
Adjusted Net Income One Adult Two Adults in a Family
$0 - $24,000 $0.00 $0.00
$24,001 - $26,000 $11.00 $22.00
$26,001 - $28,000 $23.00 $46.00
$28,001 - $30,000 $35.00 $70.00
$30,001 - $34,000 $46.00 $92.00
$34,001 - $38,000 $56.00 $112.00
$38,001 - $42,000 $65.00 $130.00
Over $42,000 $75.00 $150.00

Qualifying for Regular Premium Assistance

MSP premiums are based on your annual net income from last year as confirmed by the Canada Revenue Agency (or combined net income for you and your spouse), less deductions:

  • $3,000 for a spouse;
  • $3,000 for a beneficiary who is 65 years of age or older in application year;
  • $3,000 for a beneficiary’s spouse if 65 years of age or older in application year;
  • $3,000 for each child minus one half of the child care expenses claimed by a beneficiary and/or spouse (line 217 of income tax return);
  • $3,000 for each family member who claims disability, attendant or nursing home expenses;
  • The amount received by a beneficiary and/or spouse for Universal Child Care (line 117 of income tax return); and
  • The amount reported for the Registered Disability Savings Plan by a beneficiary and/or spouse (line 125 of income tax return).

The amount left is called “adjusted net income.” If it is less than $42,000, your family may qualify for financial assistance.

To find out if you might qualify for Premium Assistance, use our online eligibility calculator.

Information on upcoming MSP premium changes

As part of the proposed 2017/18 provincial budget, government announced plans to reduce MSP premiums by 50% for households with a combined net income up to $120,000, effective Jan. 1, 2018. For more information, visit B.C.’s Plan to Eliminate MSP Premiums – BC Budget 2017. This website will be updated with more detailed information as its becomes available.

Subscribe to stay informed on the latest news about MSP premiums, including when applications will be available for 2018 premium assistance.

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