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Self-Employed Health Insurance

Choose from multiple coverage options in two minutes or less.

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. Tell us about your family. Who needs coverage?

*Note: children are defined as under 21, living in the same household as their parents.

. Insurance rates vary based on your province or territory of residence. Where do you live?

. What kind of coverage are you interested in learning more about?

. Are you interested in semi-private or private hospital accomodations?

. How about benefits through your workplace? Do any of the following apply?

. To provide an accurate quote, we need a ballpark on your age. Are you:

. Are you (or anyone in your family) currently taking any prescription medications?

. How many medications are you or your family currently taking?

. Are you willing to accept an exclusion for the prescription drugs you’re currently taking?

. Would you like us to email a copy of this free, no-obligation quote to you?

Yes, please!

. This is what we know about you. Is all of the information correct?

Coverage for:
You live in:
You'd like to learn about:
Hospital accomodations:
Benefits through workspace:
You are years old
Any prescription medications?
How many medications?
Willing to accept an exclusion?
Get email copy?

Health Insurance for Self-Employed Canadians

If you are self-employed, your health may be your most important asset. Special Benefits Insurance Services offers a wide variety of health insurance solutions to help you maintain your good health and minimize your health care expenses. Our health insurance options are ideally suited for individuals who are self-employed, entrepreneurs, independent professionals, contractors, commission-based workers or anyone who is not covered by a company group plan.

A self-employed health insurance plan from Special Benefits can help you:

  • Lower your financial risks by limiting your out-of-pocket expenses
  • Avoid the stress of not having the financial resources to cover the cost of health care
  • Address health care issues promptly, so you can get back to work as quickly as possible

Using Self-Employed Health Insurance to Enhance Your Business

A self-employed health insurance plan from Special Benefits can be the key to keeping you healthy and your business afloat. It can supplement your provincial insurance coverage, so you have the financial means to protect your health—and your business investment.

While your provincial insurance plan covers medically-necessary health care, it contains a number of coverage limitations. Provincial health insurance normally does not provide coverage for:

  • prescription drugs
  • dental services
  • routine eye exam (for individuals 19 to 64 years of age), eyeglasses and contact lenses
  • hearing aids and other equipment or appliances
  • ambulance transportation and hospital accommodations
  • services from chiropractors, massage therapists, naturopaths, osteopaths, physical therapists, chiropodists/podiatrists, psychotherapists, and other speciality service providers that are not covered by government insurance plans

The Advantages of Choosing Special Benefits

Established in 1993, Special Benefits has been providing health insurance for self-employed individuals for over two decades. Over the years, we have differentiated ourselves as a provider of health insurance solutions for individual consumers. As an independent broker, we have access to a large assortment of insurance providers, making it easier for us to locate the best product for our clients’ needs.

We offer the Prism health insurance programs from Green Shield Canada. We also work with Manulife Insurance to provide the Flexcare and FollowMe and the Association plans.

Advantages of choosing Special Benefits for your self-employed health insurance needs include:

  • Expertise: Our representatives have the experience, knowledge and skill to determine the best health insurance option for your needs.
  • Adaptable Solutions: Our products come in a variety of plans and coverage levels, making it easy to find an insurance solution for your specific situation.
  • Customer Commitment: We know that selecting a health insurance plan can be complicated and intimidating. We are committed to educating you about the process so you can make the best decision for yourself, your family and your business.

Self-Employed Health Insurance Options

Special Benefits offers you access to a wide range of self-employed health insurance products from leading insurance providers.

We sell Green Shield Canada’s Prism Spectra, Prism Precision, and Prism Continuum nationwide. Prism programs offer four distinct plans, each with varying levels of coverage.



Learn About Prism


Learn About Prism Spectra


Learn About Prism Precision


Learn About Prism Continuum


Please click on each Prism® tab below to see the different plan details and rates

Prism Spectra ®
Prism Precision ®
Prism Continuum ®
The Prism Spectra program is another option if you are leaving a company group plan or don’t currently have health and dental coverage in place and are looking for comprehensive coverage complemented by high benefit maximums.
The Prism Precision program may be right for you if you are looking for a practical alternative for basic coverage for services and treatments that are no longer covered by the government. No medical questionnaire required and coverage is guaranteed, even for pre-existing conditions.
The Prism Continuum program may be your best solution if you, your spouse, or your dependents are losing, or have lost your company group health benefits within the last 90 days and are looking for guaranteed coverage even with pre- existing conditions.


We also offer the Flexcare and FollowMe and the Association plan from Manulife, which provide a broad range of different health and dental plans. There are also add-on benefits that you can choose to customize your plan for your specific health insurance needs, including accidental death and dismemberment, cash-back benefit and best doctors.

Please click on each Manulife® tab below to see the different plan details and rates

These programs offer:

  • Flexibility: Our diversity of plans and coverage levels makes it easy to select the right health insurance plan for your needs.
  • Ease: In many cases, our health insurance plans offer guaranteed acceptance without the requirement of a medical exam or questionnaire.
  • Coverage for Pre-Existing Issues: We offer plans for existing health conditions.
  • Generous Coverage: Our health insurance plans offer coverage for everything from prescription drugs and vision care to specialists, therapists, hospital accommodation and much more.
  • Extended Benefits: We also offer other benefits to enhance your self-employed health insurance, including hearing aids, medical items and services, home support services, ambulance transportation and travel insurance for those under age 65.

To learn more about our Prism programs or other self-employed health insurance options available through Manulife, request your no-obligation quote or free information package today!

clients' testimonials

I just wanted to send a compliment to Nicki for helping me today with a request for income tax receipt from 2013! What a superb service and pleasant approach in solving my problem. and so quickly and promptly done. Please extend my compliment and thank you to Nicki for the excellent service supplied.

Richard L

This kind of service keeps your clients coming back to you when they need to purchase any kind of insurance. Thank you for suggesting Destination Travel Insurance.

Cely T

Just a quick note to say “thanks” for your help this morning. It certainly is nice to deal with such a professional company. You were super!!!!


I’ve had the very real pleasure of working with the good people at Special Benefit Insurance Services (SBIS) for almost 2 decades. Their professionalism and commitment to high service standards, makes all the difference, when it comes to helping our mutual clients to be, simply and consistently, “very happy” customers.

Don M

Our Partners

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Get in Touch!

    We’re here to help

    If you have any questions, would like more information or need assistance selecting a plan, please do not hesitate to call us.

    Business hours

    Monday to Friday 8:45 a.m. – 4:45 p.m. Eastern Time

    Head Office:
    Special Benefits Insurance Services
    366 Bay St, 7th Floor, Toronto, ON, M5H 4B2

    North East Branch:
    Special Benefits Insurance Services
    3091 Chandler Dr, Port Perry, ON, L9L 1B6