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Decision-maker tool

Group insurance comparison tool

For employers and HR managers: select your company size, your sector and the plan components you want to get a budget order of magnitude, then send your request for a real quote comparing several insurers.

📄 Download the complete group plan guide (PDF)
Cost benchmarks

How much does a group plan cost, per employee?

The cost of a group plan varies above all with the size of the business — small groups generally pay more per employee, for lack of bargaining power and of enough claims data for insurers.

Taille de l'entrepriseAnnual cost / employeeMonthly cost / employee
10 to 24 employees3 800 $ – 5 200 $317 $ – 433 $
25 to 49 employees3 500 $ – 4 800 $292 $ – 400 $
50 to 199 employees3 200 $ – 4 500 $267 $ – 375 $
200 to 499 employees2 800 $ – 4 200 $233 $ – 350 $
500 employees and over2 500 $ – 3 800 $208 $ – 317 $

These ranges combine the employer share and the employee share, for a standard plan (drugs, dental and paramedical care, basic life). Figures published by Baicorp Financial (an independent employee benefits broker), which attributes them to a Mercer survey, Survey of Employer-Sponsored Health Plans, 2024 — blog.baicorp.ca, consulted on 23 July 2026. These are market benchmarks published by a third party, not actuarial data that I verified myself with Mercer — to be treated as a budget order of magnitude, not a quote. The sector and the components chosen also change the real cost: see the calculator below.

Calculation tool

Estimate your plan budget

This tool applies the cost benchmarks above, adjusted for your sector and the components checked. It is not a quote — real pricing requires a complete file (ages, sexes, positions, claims history where applicable) sent to one or more insurers.

Insurers represented

A real quote, compared across several group insurers

As an independent representative in group insurance of persons, I am not tied to any insurer exclusively. For a group plan, I can submit your file to several of the following insurers — the final choice depends on your group profile and your coverage priorities: iA Financial Group, Beneva, Manulife, Sun Life, Canada Life, Empire Life, Equitable Life, GreenShield Insurance, Medavie Blue Cross and Foresters Financial. See all my insurers and partners.

Quote request

Get a real quote for your business

Describe your business and the plan you want, then leave your contact information — I will contact you to prepare a real quote comparing several insurers.

1Entreprise
2Plan
3Situation
4Contact information
Your business This information is used to prepare a real quote through Groupe Cloutier.
Please enter the company name and the number of employees.
Merci ! Your quote request has been sent to Jean Carrière, who will contact you shortly.
Autorité des marchés financiers Chambre de l'assurance Jean Carrière — registered with the AMF (certificate 259457) and member of the Chambre de l'assurance

Jean Carrière is an independent representative in insurance of persons and group insurance of persons, registered with the Autorité des marchés financiers (AMF) under certificate number 259457 — verify in the AMF register — and a member of the Chambre de l'assurance (created by the merger of the Chambre de la sécurité financière and the Chambre de l'assurance de dommages, in effect since 4 July 2025). Groupe Cloutier acts as managing general agent.

The amounts shown on this page are indicative budget estimates for general planning purposes, based on market benchmarks published by third parties; they do not constitute an insurance quote or a guaranteed price. Real pricing requires a complete file sent to one or more insurers and depends on the precise characteristics of the group (ages, sexes, positions, claims history where applicable).