Health Spending Accounts (HSA)
Small teams often get stuck choosing between overpriced group plans or offering nothing at all - and traditional don’t always reflect how people actually use healthcare.
Health Spending Accounts give you or your team flexible, tax-free health coverage - without a rigid plan.
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A tax-free way to cover health costs
Think of a Healthcare Spending Account (HSA) as a tax-free health wallet for your team. You set the limit, and your employees spend those funds on eligible health expenses like dental, vision, prescriptions, or therapy.
We handle setup, compliance, and ongoing support so you can offer a cost-controlled benefit that feels personal - without the monthly premium bloat.
No complicated claims process, just freedom and flexibility.
An HSA works great for...
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Boost Employee Satisfaction with Minimal Hassle
Discover simple and effective solutions to enhance your team’s happiness without the complexity.
How Does a HSA Work?
Employers choose coverage amounts and options for each employee class.
You set the funding style and amounts that fit your organizations budget.
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Employees login and utilize a simple to use mobile app.
Employees are welcomed to the plan and prompted to download the user friendly mobile app. Each employee is offered one on one consolation on how the plan works, and unlimited support.
Funds are reimbursed quickly!
An employee enters a qualified expense on the mobile app. This is then verified by an adjudicator that it is a qualifying expense. The employee is then reimbursed directly into their personal accounts.
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Frequently Asked Questions
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An HSA is an employer-funded account that reimburses employees for eligible health, dental, or vision expenses not covered under other plans.
Employees pay out-of-pocket for eligible expenses, submit a claim (often online or via app), and get reimbursed from their allocated credits.
HSA-eligible expenses include prescription drugs, dental fees, vision care, paramedical services, and other items listed by the CRA under medical expenses.
Yes. Reimbursements are non-taxable to employees and fully tax-deductible for the business if structured according to CRA rules.
This depends on your plan design—some allow rollovers to the next year; others may have a “use it or lose it” policy.
Yes. HSAs are a popular standalone solution, especially for small businesses seeking flexible and cost-controlled benefits.
Yes. You can assign HSA limits by employee class (e.g., managers vs. full-time staff) to better match compensation strategy.
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