MSP Premium Elimination: Jan. 1, 2020
Medical Services Plan (MSP) premiums will be eliminated as of January 1, 2020. The information below will help you prepare for premium elimination.
Elimination of MSP Premiums
British Columbia (B.C.) residents will no longer be charged monthly MSP premiums as of January 1, 2020. Enrolment in MSP remains mandatory for all residents.
MSP premium debts owing prior to January 1, 2020 will still be owed. Collections will continue for outstanding MSP premium debts. For information on how to pay outstanding premiums, visit Pay Your Premiums.
Your MSP Account
After January 1, 2020, the structure of MSP accounts will remain the same. Accounts will still include an account holder and, if applicable, a spouse and/or children.
New and returning residents will still be required to complete two steps for MSP enrolment: submit an MSP Application for Enrolment to Health Insurance BC (HIBC) and obtain a BC Services Card by visiting an Insurance Corporation of BC driver licensing office.
B.C. residents must continue to fulfill their MSP obligations under the Medicare Protection Act, including updating your MSP account due to address changes. HIBC and the Ministry of Health offer easy online services to ensure that your MSP account information and address stay current. To update your MSP account, visit gov.bc.ca/managingyourMSPaccount.
If an individual is covered under a group plan and the group ceases administering MSP coverage, the individual will automatically be placed on a self-administered plan. HIBC will notify the individual when self-administered coverage is established.
Regular Premium Assistance
Eligible MSP beneficiaries can continue to receive Regular Premium Assistance, which supports payment of MSP premiums, until December 31, 2019. New Applications for Regular Premium Assistance will be accepted until December 31, 2019.
Beneficiaries can continue to apply for Retroactive Premium Assistance, which provides financial adjustments for previously billed MSP premiums, following January 1, 2020. For more information, visit gov.bc.ca/MSP/retropremiumassistance.
Temporary Premium Assistance
Eligible MSP beneficiaries may receive Temporary Premium Assistance until December 31, 2019. New Applications for Temporary Premium Assistance will be accepted until December 31, 2019.
If you have been approved for Temporary Premium Assistance for a period ending after January 1, 2020, you will receive supplementary benefits until December 31, 2020. Your ongoing eligibility for supplementary benefits will be determined based on your annual net income as verified by the Canada Revenue Agency (CRA). (Submission of the Application for Regular Premium Assistance and Supplementary Benefits includes consent to share income information with the Ministry of Health to determine eligibility for assistance.)
MSP supplementary benefits provide partial payment for certain medical services obtained in British Columbia (for example, massage therapy and chiropractic services) and may provide access to other income-based programs.
Supplementary benefits are available to those who qualify for Regular Premium Assistance. Following January 1, 2020, if you have already applied for Regular Premium Assistance, HIBC will continue to verify your income to determine eligibility for ongoing supplementary benefits.
The annual adjusted net income eligible for supplementary benefits will remain $42,000 or less following January 1, 2020. (Eligibility requirements are subject to change.)
Turning 19-25 Years Old
If you have been provided premium-free MSP coverage between the ages of 19 and 25 for a period ending after January 1, 2020, you will receive supplementary benefits until December 31, 2020. If you have not already done so, you may apply for supplementary benefits (by applying for Regular Premium Assistance), which permits HIBC to assess your ongoing eligibility based on your annual net income as verified by the CRA. You must file an annual tax return with CRA to be assessed for eligibility.
If you have any questions, contact HIBC.