Lower your bills
For anyone who wants to pay less for hydro, internet, phone, transit, dental care or prescriptions.
Discounts, credits and free coverage that lower what you pay every month, from governments and utilities.
We found 18. Open deadlines come first, nearest first. After that, places people say worked move up. When a deadline passes, that place moves to the bottom of this page, so you can still ask them about the next round.
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City of Toronto Water and Solid Waste Rebate for Low-Income Seniors and Persons with Disabilities
Toronto gives a rebate on the water use part of your utility bill if you are a low-income senior or a low-income person with a disability.
Deadline: 2 November 2026
Ontario Electricity Support Program (OESP)
A monthly credit taken right off your electricity bill for lower-income households, usually $35 to $75 a month, or $52 to $113 for Indigenous households, homes heated by...
Apply any time. The credit lasts 2 years before you must reapply, or 5 years if you are 65 or older or get a CPP disability pension.
Fair Pass Transit Discount Program (TTC)
You pay $2.10 a trip instead of the regular $3.30.
Apply any time. The discount lasts 12 months, then you may need to apply again. The Fair Pass monthly pass ended on August 31, 2026. Since September 1, 2026, TTC fare capping applies instead, so use the same PRESTO card all month.
Canadian Dental Care Plan (CDCP)
Federal dental coverage that pays all or part of the cost of exams, cleanings, fillings, root canals, crowns, dentures and oral surgery (braces are not covered).
Applications for the 2026-2027 benefit period are open. The renewal period closed on 2026-06-01: members who did not renew can submit a new application, but care received during the gap in coverage is not covered or paid back. Members must renew every year; renewals for 2027-2028 open in spring 2027.
OHIP+ (free prescriptions for people 24 and under)
Ontario pays for more than 5,900 prescription medications, such as antibiotics, asthma inhalers, diabetes, mental health and ADHD drugs, for children and young adults...
No application and no deadline; coverage ends on your 25th birthday.
Healthy Smiles Ontario (free dental care for children 17 and under)
Free preventive, routine and emergency dental care for children and youth from low-income Ontario families, including check-ups, cleaning, fillings, x-rays, scaling and...
Apply any time. The ontario.ca program page shows a last update of October 21, 2021, so confirm the current income limits with Toronto Public Health at 416-338-7600
Ontario Drug Benefit (ODB) program and Seniors Co-Payment Program
Ontario's public drug plan pays most of the cost of more than 5,900 prescription drugs for seniors and other groups, and a low-income seniors option removes the yearly...
Seniors join automatically on the first day of the month after they turn 65; a letter comes about three months before. Low-income seniors must apply separately for the Seniors Co-Payment Program.
Trillium Drug Program (help with high prescription drug costs)
Ontario helps households whose prescription drug costs are high for their income: after a yearly deductible of about 4% of after-tax household income, split into four...
Apply any time; the program year runs August 1 to July 31. To be paid back for eligible drugs from the previous program year, apply by September 30. Enrolment renews automatically every year if your household files taxes on time.
Connecting Families Initiative
A Government of Canada program that gives low-income families and seniors home internet for $20 a month or less.
Free eye exams with OHIP
OHIP pays for eye exams for some people in Ontario.
Ontario Seniors Dental Care Program at Toronto Public Health dental clinics
Free dental care for low-income seniors (exams, X-rays, fillings, cleaning, some root canals, extractions and urgent care for pain) at about 25 Toronto Public Health and...
Interim Federal Health Program (IFHP)
Prescriptions cost $4 each, and extra care like dental, vision and counselling is 70% covered.
Medical Expense Tax Credit
For 2025 you can claim the part above 3% of your net income or $2,834, whichever is less.
Enbridge Gas Home Winterproofing Program
Free home energy assessment and free upgrades like insulation and draft proofing for lower-income homes heated with natural gas.
Energy Affordability Program
Free energy upgrades for Ontario households with lower incomes, to help cut hydro bills.
Extended Employment Health Benefit (leaving Ontario Works for a job, Toronto)
If you leave Ontario Works because you start a job or earn more, you can keep some health coverage for a while.
Ontario Trillium Benefit (OTB)
Ontario benefit paid via the tax system that combines the Ontario Sales Tax Credit (up to $378 per person plus $378 per spouse and each child under 19), the Ontario...
Ontario Seniors' Public Transit Tax Credit
You can claim up to $3,000 in eligible transit costs each year and get back up to $450.
Not on this list? Call 2-1-1 or text 2-1-1, any time, in more than 150 languages. It is free, and real people answer. 211ontario.ca
Which ones have closed?
These have closed for now. Many open again every year, so ask them when the next round opens. The way to reach each one is right there.
Guides and tools for this
These do not give the help themselves. They help you find it or understand it. All guides and tools
- Low-cost dental clinics in Toronto (City of Toronto list)
The City of Toronto keeps a list of dental clinics with low or reduced fees.
Everything above is from their own websites, with the date we read each one. After you try one, open its page and tap “It worked” or “No answer”. That is how this stays true for the next person.
For an AI assistant: llms.txt. How to read this site.