top of page

Health Spending Accounts

Seriously Tax-effective

A tax-effective way to offer flexible employee benefits.

Health Spending accounts (HSAs) or

Private Health Services Plans (PHSPs) make it easy

for you to care for your employees, your family, and yourself.

Wellness Spending Accounts (WSAs) may also be incorporated when additional services are required, such as gym memberships and other perks that articulate your workplace culture.  

Only Pay for What You Use

  • No annual fee

  • No set-up fee

  • 10% administration fee on paid claims to a maximum of $250 per claim

Incorporated Companies, Self-employed Individuals, & Non-profit Organizations

Who Qualifies?

Comprehensive, CRA-Approved Benefit Options

  • All claim reimbursements are 100% tax-free

  • Easy claim submission - online or via mobile app 

  • Claims paid quickly via EFT 

  • Flexibility to direct dollars to your choice of medical and dental expenses

  • Access to products and services that are typically costly such as orthodontics and glasses

  • Clearly-defined annual allowance

Ideal for Employees

  • Claims are 100% tax deductible

  • Owners may control which employees are on the plan and the plan limit

  • Simple, paperless enrolment process

  • Works for companies of any size, with employees of any age

  • Option to add on taxable wellness account or RRSP

  • No pre-funding required

  • Can be used as your primary benefit program or to top up existing benefits

  • Positions your company well for recruitment and retention

  • Easy-to-use administrator portal

Ideal for Business Owners

*Incorporated companies, self-employed and non-profit organizations of 1 or more tax-paying employees 

Ridiculously Simple

Claim Submission:

Sign in online or use our myHSA app

1. Pay for medical, dental and vision expenses using          your personal account or credit card           


2. Take a picture of your receipt and enter a few details      about your claim 


3. Your claim is reimbursed via EFT in 1-3 business days

Combine Your HSA With Other Benefit Options

We understand that one size does not fit all so we make it possible for you to add on additional options

and create the 'ideal you’ plan.

Traditional Benefits Plan​


Sometimes it’s just more practical to provide coverage for benefits through a Traditional Benefits plan.  A one-size-fits-all solution can offer employees financial security and deliver budgeting assistance to business owners.

Wellness Plans


Wellness plans are taxable to employees, but they are a great tool to articulate your corporate culture, values, and commitment to your employees' overall wellbeing.

Claim Submission
bottom of page