Public Service Health Care Plan

Public Service Health Care Plan contribution rates

The Public Service Health Care Plan (PSHCP) is funded through contributions from the Government of Canada (the employer), participating employers, and plan members. Plan member contributions depend on type and level of coverage selected. E.g. active employee vs. pensioner, single vs. family coverage, and selected level of the Hospital Provision.

The PSHCP monthly contribution rates are comprised of two components, the cost associated with the Extended Health Provision and the cost for the Hospital Provision. These components have different cost sharing arrangements.

Active member contributions

• The employer pays the full cost of the Extended Health Provision and Hospital Level I coverage under the Hospital Provision for active members of the PSHCP. The active member is responsible for 100% of the additional contribution expense for Hospital Level II or III coverage.
• Executives and other designated groups do not pay contributions as they are entitled to full employer-paid coverage.
• There are provisions for contributions while on leave without pay.

Pensioner (retired member) contributions

• The employer and retired members with Supplementary coverage share the cost (50/50) of the Extended Health Provision. The employer pays the full cost of the Hospital Level I coverage under the Hospital Provision for retired members. The retired member is responsible for 100% of the additional contribution expense for Hospital Level II or III coverage.
• The employer and retired members under the PSHCP Relief Provision share the cost (75/25) of the Extended Health Provision. The employer pays the full cost of the Hospital Level I coverage under the Hospital Provision. The retired member under the PSHCP Relief Provision is responsible for 100% of the additional contribution expense for Hospital Level II or III coverage.

Public Service Health Care Plan contribution rates effective July 1, 2023

Effective July 1, 2023, the contribution rates for retired members with Supplementary coverage and PSHCP Relief Provision coverage as well as the employer contribution rates increased. The new rates can be found in Schedule V of the PSHCP Plan Directive on the National Joint Council website.

These contribution rates have been adjusted to maintain the relevant cost sharing ratio between retired members and the employer, and compensate for increases in current and projected plan costs.

Contribution rates for active members participating in the PSHCP remain unchanged for 2023.