How Your Coverage is Calculated

As of January 1, 2019, Regular Assistance families earning up to $45,000 per year have lower deductibles and family maximums. For families earning up to $13,750, there is no deductible or family maximum.

Enhanced Assistance families (those with members born before 1940) earning up to $14,000 per year have no deductible or family maximum.

Your income

Fair PharmaCare coverage is income-based. Families with lower incomes receive more coverage than families with higher incomes.

PharmaCare uses the net income from your and your spouse's income tax returns to calculate your family's level of coverage. Net income equals the amount on Line 23600 on your tax returns minus any amount reported on Line 12500 (income from a Registered Disability Savings Plan).

If your spouse has not filed a separate tax return, PharmaCare may include the Married Amount from Line 30300 of your return. They may also refer to GST Credit Application on your Income Tax Return to calculate your spouse's income.

How your level of coverage is calculated

PharmaCare uses income tax data from two years ago to calculate the Fair PharmaCare coverage your family receives. For example, your 2021 coverage will be calculated using your 2019 tax return. This is because most of the time, your income tax information from the previous year will not yet be available.

PharmaCare calculates your level of coverage:

  • When you first register for Fair PharmaCare, and
  • January 1 of every calendar year

Estimate your level of coverage under the plan using our online calculator.


See the information sheets below for information on coverage levels:

If your current income has decreased more than 10% from your income from two years ago, you may be eligible for more assistance.

Questions about PharmaCare? Contact us. We provide interpreter services in over 140 languages.