Alberta's Bill 11, the Health Statutes Amendment Act, 2025 (No. 2), received Royal Assent in the province on December 11, 2025. Most of the Act deals with Alberta's health system. Two provisions reach directly into private group benefits plans, and both come into force on October 1, 2026. For more information on the details of Bill 11, check out our other Bill 11 article.

This article catalogues the various published positions of insurance carriers as it relates to Bill 11. This article will be updated frequently so check back for the latest information.

Carrier with Published Positions

For carriers implementing mass plan amendments, Effortless will be updating plan designs accordingly.

Alberta Blue Cross

• Understanding Alberta’s Bill 11 and its impact on health benefit plans

Desjardins

• Desjardins Insurance response to Alberta’s Bill 11

Equitable Life

• Alberta Bill 11 legislation takes effect this fall

Green Shield

• Update: Alberta’s Health Statutes Amendment Act, 2025 (Bill 11) – Effective October 1, 2026 | Mise à jour : Health Statutes Amendment Act, 2025 (projet de loi 11) de l’Alberta – En vigueur le 1er octobre 2026

Manulife

• Changes affecting benefits plans in Alberta – effective October 1, 2026
• Group Health notice of amendment

Sun Life

• Alberta Bill 11: Changes to Extended Health Care (EHC) coverage and what you need to do

Carriers without Published Positions

For carriers not applying proactive mass plan amendments, Effortless continues to administer based on the plan design and the eligibility rules defined in carrier policy contracts.

We will continue to apply the termination ages currently configured on each plan until we receive an amendment instruction. Absent an amendment, actively working Alberta members will continue to be terminated based on the plan's termination age on and after October 1, 2026.

That said, Effortless will provide notifications to broker partners in advanced of any Alberta plan member who is approaching the Health termination age on any plan under administration to ensure there is the opportunity to amend the plan as necessary.

This article is general information and contains interpretations of publish insurance carrier positions on Bill 11. It is not legal, actuarial, or benefits consulting advice. Employers, brokers and readers should confirm their specific obligations with their benefits advisor, their insurance carrier, and their legal counsel.