VANCOUVER, BC , Sept. 9, 2025 /CNW/ – A typical Canadian family of four will pay an estimated $19,060 for public health-care insurance this year, finds a new study released today by the Fraser Institute, an independent, non-partisan Canadian public policy think-tank.
“Canadians pay a substantial amount of money for health care through a variety of taxes — even if we don’t pay directly for medical services,” said Nadeem Esmail , director of health policy studies at the Fraser Institute and co-author of The Price of Public Health Care Insurance, 2025.
Most Canadians are unaware of the true cost of health care because they never see a bill for medical services, may only be aware of partial costs collected via employer health taxes and contributions (in provinces that impose them), and because general government revenue — not a dedicated tax — funds Canada’s public health-care system.
The study estimates that a typical Canadian family consisting of two parents and two children with an average household income of $188,691 will pay $19,060 for public health care this year. Couples without dependent children will pay an estimated $17,338 . Single Canadians will pay $5,703 for health care insurance, and single parents with one child will pay $5,934 .
Since 1997, the first year for which data is available, the cost of healthcare for the average Canadian family has increased substantially, and has risen more quickly than its income. In fact, the cost of public health care insurance for the average Canadian family increased 2.2 times as fast as the cost of food, 1.6 times as fast as the cost of housing, and 1.6 times as fast as the average income.
“Understanding how much Canadians actually pay for health care, and how much that amount has increased over time, is an important first step for taxpayers to assess the value and performance of the health-care system, and whether it’s financially sustainable,” Esmail said.
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The Fraser Institute is an independent Canadian public policy research and educational organization with offices in Vancouver , Calgary , Toronto , and Montreal and ties to a global network of think-tanks in 87 countries. Its mission is to improve the quality of life for Canadians, their families and future generations by studying, measuring and broadly communicating the effects of government policies, entrepreneurship and choice on their well-being. To protect the Institute’s independence, it does not accept grants from governments or contracts for research. Visit http://www.fraserinstitute.org
