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Self-Employed Health Insurance

Choose from multiple coverage options in two minutes or less.

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2. Would you like a Manulife Flexcare / FollowMe or Association quote?

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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 healthcare 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 SBIS can help you

  • Lower your financial risk by limiting your out-of-pocket expenses
  • Avoid the stress of not having the financial resources to cover the cost of healthcare
  • Address healthcare 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 SBIS 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.

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

  • prescription drugs, dental services, or routine eye exams (for individuals 19 to 64 years of age)
  • eyeglasses and contact lenses
  • hearing aids and other medical equipment or appliances
  • ambulance transportation and semi-private or private hospital accommodations
  • services from chiropractors, massage therapists, naturopaths, osteopaths, physical therapists, chiropodists/podiatrists, psychologists, and other specialty services

The Advantages of Choosing SBIS

Established in 1993, SBIS has been providing health insurance for self-employed individuals for over 25 years. 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 Financial to provide the Flexcare®, FollowMe™ and Association Plans. Or choose a Personal or Replacement Health Plan from Group Medical Services (GMS).

Advantages of choosing SBIS for your self-employed health insurance needs include

  • Expertise: Our representatives have the experience, knowledge and skill to determine the best health insurance options 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 an informed decision for yourself, your family and your business.

Self-Employed Health Insurance Options

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

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


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 health and dental coverage for services and treatments that are not 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®, FollowMe™, and Association plans 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 hospital care and travel insurance coverage extensions.

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

These programs offer:

  • Flexibility: Our diverse plans and coverage levels make it easy to select the right health insurance plan for your needs.
  • Ease: In many cases, our health insurance plans offer guaranteed acceptance without requiring a medical exam or questionnaire.
  • Coverage for Pre-Existing Issues: We offer several plans that cover pre-existing health conditions.
  • Generous Coverage: Our health insurance plans offer coverage for everything from prescription drugs and vision care to specialists, therapists, semi-private hospital accommodations and much more.
  • Extended Health 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 emergency medical travel insurance.


SBIS knows your insurance decisions are important, and that’s why we also offer GMS Personal Health and Replacement Health plans. GMS plans are the easy, cost-effective way to protect you and your family from the growing list of healthcare costs not covered by your government health plan.

You select your core bundle of benefits and then choose the level of prescription drug, dental and travel protection that suits your needs. That makes GMS plans an affordable choice for any budget.

Choose a Personal Health plan if you are looking for a complete wellness package.

GMS Replacement Health benefit plans are available when you’re leaving your employer’s benefit plan to start your next adventure.

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

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

clients' testimonials

We have always appreciated the services we have received from Green Shield and your personal help has been amazing. Thank you so much for all you have done to help our family over the last year of transition.

Patty L

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

You have made my day! I don’t think I have ever received such good service from any company before. Thank you so much for sending those reports to me. I plan to submit the info to the government and maybe get a little refund. Every penny counts.

Judy S

Thank you Kasia for your diligence in notifying me upon approval of my application. I will as stated, out of courtesy, notify Great West Life, that I will not be proceeding with the application with them. I am pleased, as Green Shield was my first choice.


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
    20 Toronto Street, Suite 860, Toronto, ON, M5C 2B8

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