Open Enrolment for Retiree Health Coverage Is Here: What You Need to Know

Eric Biehn
Oct 22
3 min read

A rare opportunity for Canadians under 75 to secure lifetime health and dental protection — with no medical questions asked.

What Open Enrolment Means for Retiree Health Insurance in Canada

Open enrolment is a special period that allows retirees and near-retirees to join a health and dental plan without answering medical questions or undergoing a health review.

For many Canadians, this is one of the few chances to secure affordable, portable coverage that isn’t tied to an employer.

Once open enrolment ends, applications may be subject to eligibility requirements or medical underwriting — making this window especially valuable for those who want coverage that lasts well into retirement.

The Legacy Plan: Designed for Lifetime Stability

The Legacy Plan was created for retirees who want a simple, reliable, and inclusive health and dental plan they can take anywhere in Canada.

Coverage remains in place as long as premiums are paid, offering peace of mind and continuity of care even after leaving the workforce.

Unlike some traditional retiree programs, the Legacy Plan moves with you — whether you relocate, change provinces, or simply want a plan that stays in your name.

🔗 Learn more about your coverage on our Facts page.

Who Can Enrol

Open enrolment is available to:

Individuals with a provincial health card under 75 years of age
Retirees, semi-retirees, and their spouses or partners

If you fall into these groups, you can join the Legacy Plan today — no medical questions required during the open enrolment period.

How to Apply During Open Enrolment

Applying is simple:

Visit legacy-plan.ca
Click Sign Up
Complete your application online
Receive a confirmation email with a link to complete your registration
Enjoy the comfort of knowing your health and dental coverage is secure

Open enrolment is available until June 30, 2026. Don’t miss the opportunity to join a retiree health insurance plan designed to grow with you.

Technology That Simplifies Health Claims

Every Legacy Plan member has access to the Simply Benefits app, making it easy to manage claims digitally. Submit health and dental claims, check balances, and view coverage in real time — all from your phone, tablet, or desktop.

🔗 Explore the Technology page to learn more about paperless claims and member tools.

A Commitment to Inclusion and Accessibility

This open enrolment period also reflects Ecotone Health’s ongoing commitment to inclusion across Canada’s diverse retiree communities. By making the Legacy Plan through partnerships that celebrate diversity and belonging — more Canadians can access dependable coverage at every stage of life.

Don’t Miss This Open Enrolment Window

Opportunities like this don’t come around often. If you’ve recently retired or are preparing to, this is your moment to secure stable, portable, and transparent health and dental coverage built for the long run.

Apply before June 30 to lock in coverage that stays with you for life — as long as you choose to keep it.

About Ecotone Health Insurance Inc.

The Legacy Plan is a proud product of Ecotone Health Insurance Inc., a licensed Canadian insurance brokerage committed to creating inclusive, portable health coverage for individuals and retirees nationwide.

All content on this website is provided for general information purposes only and does not constitute legal, financial, or insurance advice. Plan details, rates, and eligibility requirements are subject to change without notice. Please refer to your official policy documents for complete terms, conditions, and coverage limitations.