Income Thresholds and Cost Sharing Arrangement
NOTE: The EHB Policy does not apply to residents who access Non-Insured Health Benefits or Métis Health Benefits. Seniors will continue to receive the same benefit coverage under the new policy.
Pursuant to the Extended Health Benefits Policy 49.07 sections 5(2)(a)(i) and (ii), the Minister is required to approve the Income Thresholds and Cost Sharing Arrangement for the Extended Health Benefits program.
Income Thresholds are established to align with the most recent Northern Market Basket Measure (2025) published by NWT Bureau of Statistics.
The Income Thresholds and Cost Sharing Arrangement tables attached set out the Income Thresholds and Cost Sharing Arrangement effective September 1, 2026:
- Income Thresholds are established in 30 income bands to reflect adjustments for family size and region of residence, with band 1 established as the low-Income Threshold. Individuals are assessed for Benefits and any applicable Cost Sharing Arrangement based on their income band.
- Cost Sharing Arrangement is the financial contribution expected of the Eligible Person, through co-insurance, co-payment, or deductible, based on their assessed income band.
- Dependent and Spousal Income Adjustments reflect the regional costs of the number of dependents and/or spouse within a family. The net income of a family is adjusted based on the number of dependents and/or spouse within a family.
Income Thresholds and Cost Sharing Arrangement
Effective September 1, 2026
Income Thresholds by Region
| Band | Tłı̨chǫ | South Slave | Yellowknife |
Dehcho |
Beaufort |
Sahtú |
|---|---|---|---|---|---|---|
| 1 | $35,069 | $35,726 | $38,144 | $36,118 | $41,941 | $43,247 |
| 2 | $35,070 | $35,727 | $38,145 | $36,119 | $41,942 | $43,248 |
| 3 | $37,502 | $38,204 | $40,790 | $38,623 | $44,850 | $46,247 |
| 4 | $40,102 | $40,853 | $43,618 | $41,302 | $47,960 | $49,454 |
| 5 | $42,883 | $43,686 | $46,643 | $44,166 | $51,286 | $52,883 |
| 6 | $45,856 | $46,715 | $49,877 | $47,228 | $54,842 | $56,550 |
| 7 | $49,036 | $49,955 | $53,336 | $50,503 | $58,645 | $60,471 |
| 8 | $52,436 | $53,418 | $57,034 | $54,005 | $62,711 | $64,664 |
| 9 | $56,072 | $57,123 | $60,989 | $57,749 | $67,059 | $69,148 |
| 10 | $59,960 | $61,083 | $65,217 | $61,754 | $71,709 | $73,942 |
| 11 | $64,118 | $65,319 | $69,740 | $66,036 | $76,682 | $79,069 |
| 12 | $68,564 | $69,848 | $74,575 | $70,614 | $81,999 | $84,552 |
| 13 | $73,318 | $74,691 | $79,746 | $75,511 | $87,685 | $90,415 |
| 14 | $78,402 | $79,870 | $85,276 | $80,747 | $93,765 | $96,684 |
| 15 | $83,838 | $85,409 | $91,189 | $86,346 | $100,266 | $103,388 |
| 16 | $89,651 | $91,331 | $97,512 | $92,333 | $107,219 | $110,557 |
| 17 | $95,868 | $97,664 | $104,274 | $98,735 | $114,653 | $118,223 |
| 18 | $102,515 | $104,436 | $111,504 | $105,582 | $122,603 | $126,421 |
| 19 | $109,624 | $111,677 | $119,236 | $112,903 | $131,105 | $135,187 |
| 20 | $117,225 | $119,421 | $127,504 | $120,731 | $140,195 | $144,561 |
| 21 | $125,353 | $127,702 | $136,345 | $129,103 | $149,917 | $154,585 |
| 22 | $134,045 | $136,557 | $145,799 | $138,055 | $160,312 | $165,304 |
| 23 | $143,340 | $146,025 | $155,908 | $147,628 | $171,428 | $176,766 |
| 24 | $153,279 | $156,151 | $166,719 | $157,864 | $183,315 | $189,023 |
| 25 | $163,908 | $166,978 | $178,279 | $168,810 | $196,026 | $202,130 |
| 26 | $175,273 | $178,557 | $190,641 | $180,516 | $209,618 | $216,145 |
| 27 | $187,427 | $190,938 | $203,860 | $193,033 | $224,153 | $231,133 |
| 28 | $200,423 | $204,177 | $217,996 | $206,418 | $239,696 | $247,159 |
| 29 | $214,320 | $218,335 | $233,112 | $220,731 | $256,316 | $264,297 |
| 30 | $229,181 | $233,474 | $249,276 | $236,036 | $274,089 | $282,624 |
Drug Benefits
|
Band |
Family Deductible |
Cost Share |
Family Maximum |
|---|---|---|---|
|
1 |
$ - |
100%
|
$ - |
|
2 |
$ - |
$ - | |
|
3 |
$ - |
$ - |
|
|
4 |
$ - |
$ - |
|
|
5 |
$ - |
$ - | |
|
6 |
$ - |
$ - | |
|
7 |
$ - |
$ - |
|
|
8 |
$ - |
$ - |
|
|
9 |
$ - |
$ - | |
|
10 |
$ - |
$ - |
|
|
11 |
$365.00 |
Program pays 70% User pays 30% |
$550.00 |
|
12 |
$420.00 |
$630.00 |
|
|
13 |
$475.00 |
$720.00 |
|
|
14 |
$540.00 |
$820.00 |
|
|
15 |
$620.00 |
$930.00 |
|
|
16 |
$700.00 |
$1,050.00 |
|
|
17 |
$800.00 |
$1,200.00 |
|
|
18 |
$900.00 |
$1,380.00 |
|
|
19 |
$1,040.00 |
$1,570.00 |
|
|
20 |
$1,180.00 |
$1,790.00 |
|
|
21 |
$1,340.00 |
$2,040.00 |
|
|
22 |
$1,530.00 |
$2,320.00 |
|
|
23 |
$1,740.00 |
$2,640.00 |
|
|
24 |
$2,000.00 |
$3,000.00 |
|
|
25 |
$2,260.00 |
$3,425.00 |
|
|
26 |
$2,600.00 |
$3,900.00 |
|
|
27 |
$3,000.00 |
$4,400.00 |
|
|
28 |
$3,400.00 |
$5,000.00 |
|
|
29 |
$4,200.00 |
$6,500.00 |
|
|
30 |
$5,000.00 |
$8,000.00 |
Medical Supplies and Equipment Benefits
|
Band |
Family Deductible |
Cost Share |
Family Maximum |
|---|---|---|---|
|
1 |
$ - |
100% |
$ - |
|
2 |
$ - |
$ - | |
|
3 |
$ - |
$ - | |
|
4 |
$ - |
$ - | |
|
5 |
$ - |
$ - | |
|
6 |
$ - |
$ - | |
|
7 |
$ - |
$ - | |
|
8 |
$ - |
$ - | |
|
9 |
$ - |
$ - | |
|
10 |
$ - |
$ - | |
|
11 |
$ - |
Program pays 75% User pays 25% |
$500.00 |
|
12 |
$ - |
$500.00 |
|
|
13 |
$ - |
$500.00 |
|
|
14 |
$ - |
$500.00 |
|
|
15 |
$ - |
$500.00 |
|
|
16 |
$ - |
$1,000.00 |
|
|
17 |
$ - |
$1,000.00 |
|
|
18 |
$ - |
$1,000.00 |
|
|
19 |
$ - |
$1,000.00 |
|
|
20 |
$ - |
$1,000.00 |
|
|
21 |
$ - |
$1,000.00 |
|
|
22 |
$ - |
$1,000.00 |
|
|
23 |
$ - |
$1,000.00 |
|
|
24 |
$ - |
$1,000.00 |
|
|
25 |
$ - |
$1,000.00 |
|
|
26 |
$ - |
$1,000.00 |
|
|
27 |
$ - |
$1,000.00 |
|
|
28 |
$ - |
$1,000.00 |
|
|
29 |
$ - |
$1,500.00 |
|
|
30 |
$ - |
$1,500.00 |
Vision Care Benefits
| Band | Cost Share | Family Maximum |
|---|---|---|
| 1 | No user cost | - |
Benefits only available to eligible residents in Income Band 1
Dental Benefits
| Band | Cost Share | Family Maximum |
|---|---|---|
| 1 | No user cost | - |
Benefits only available to eligible residents in Income Band 1
Medical Travel Benefits
| Band | Co-payment | Cost Share |
|---|---|---|
| 1 | $ - | No user cost |
| 2 | $ - | |
| 3 | $ - | |
| 4 | $ - | |
| 5 | $ - | |
| 6 | $ - | |
| 7 | $ - | |
| 8 | $ - | |
| 9 | $ - | |
| 11 | $ - | |
| 12 | $ - | |
| 13 |
$200 per one-way flight (includes connections) *Eligible Persons who do not have access to Medical Travel Benefits through employer or similar plans are exempt from the co-pay requirement.* |
Program pays for eligible Benefits in accordance with medical travel Benefits established under 5(2)(b)(vii) of Extended Health Benefits Policy 49.07. User pays remaining costs. |
| 14 | ||
| 15 | ||
| 16 | ||
| 17 | ||
| 18 | ||
| 19 | ||
| 20 | ||
| 21 | ||
| 22 | ||
| 23 | ||
| 24 | ||
| 25 | ||
| 26 | ||
| 27 | ||
| 28 | ||
| 29 | ||
| 30 |