Cover what standard plans don't.
Annual benefit dollars your team spends on CRA-approved health expenses, with tax advantages for owners.
How an HSA works.
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Annual benefit dollars
You set a yearly amount for each person.
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Employee choice
They choose how to spend it.
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CRA-approved expenses
Claims are paid for eligible health and dental costs.
Built for small businesses and individuals.
An HSA can enhance an individual health plan or stand alone. Expenses are paid with pre-tax business dollars, and you can combine it with other benefits.
- PractitionersAcupuncturist, chiropractor, dentist, massage therapist, naturopath, nutritionist, optometrist, physiotherapist, psychiatrist, therapist, anesthetist, vaccines and X-ray technicians.
- Who it suitsSmall business owners, contractors, roofers, taxi drivers, the self-employed and corporations.
Questions we hear often.
Plain answers. If yours isn't here, ask us directly.
Ask an advisorEligible claims are generally a deductible business expense and are not taxable to the employee. Your accountant can confirm how it applies to you.
Yes. Many self-employed clients pair an individual plan with an HSA to cover what the plan does not.
Book a call and we will send the forms and walk you through it. Online enrolment replaces the old download-and-email process.
Make health costs tax-smart.
A short conversation, at a time and place that suits you. No pressure, no obligation.