Effective October 1, 2026, Alberta Bill 11 will change how prescription drugs and select health-care expenses are coordinated for Albertans with private or employer-sponsored coverage, especially those age 65 and over.

What’s Changing?

Employer-sponsored or private benefit plans will pay first.

Government programs, including Alberta Blue Cross seniors and Non-Group coverage, will become second payer.

The change applies to prescription drugs and select extended health benefits.

Impact on Alberta Blue Cross Non-Group Coverage

Individuals with both Non-Group coverage and access to an employer or private plan will need to submit claims through the private plan first.

Out-of-pocket costs may change depending on the design of the private plan compared to Non-Group coverage.

Plan members relying solely on Non-Group coverage will not see a change in how their claims are adjudicated.

This will be especially important for those transitioning between coverage types, such as retiring, returning to work, or losing employer coverage.

What This Means for Employers

Employers may see increased claims exposure for employees age 65+.

Plan design, cost management, and long-term sustainability may need to be reviewed.

How We’re Supporting You

We are working with carriers and monitoring additional guidance. As the October 1 implementation date approaches, we can help you assess impact, review plan design, and explore options.

Next Steps

Review your current plan design.

Identify employees age 65+ who may be impacted.

Connect with our team to discuss planning considerations.

Questions? Please reach out if you’d like to discuss how these changes may affect your organization.