Turn dental, drugs, glasses, physio and therapy into 100% tax-deductible business expenses. Your team snaps a receipt and gets paid back fast. You pay only when someone claims.
No forms to print, no insurer to call. Set it up once, and everything after that happens in the app.
Make classes like "Owner", "Full-time" or "Part-time" and give each a yearly limit. You can prorate new hires and choose rollover rules.
Add people one at a time or import a spreadsheet. Each person gets a welcome email and adds their bank account in about two minutes.
Snap a receipt and we fill in the details. Clean claims are approved quickly and paid straight to the employee’s bank. You fund only what’s approved.
No narrow menu of approved items. Your team spends their balance on what they actually need.
Traditional group plans bundle routine claims with insurance, so every checkup can push your renewal price higher. An HSA keeps routine costs flat and predictable.
| hsabenefits | Typical HSA provider | Traditional group plan | |
|---|---|---|---|
| Cost structure | Fee per claim only | Setup, annual and per-claim fees | Monthly premium per person |
| Setup and annual fees | $0 | Often charged | Built into premiums |
| Renewal increases | None | None | Common |
| Receipt reading | Automatic, with a pre-check | You type it in | Varies |
| Contract | Month to month | Often 12 months | Usually 12 months |
HSA Benefits gives incorporated businesses a Health Spending Account that costs nothing until someone uses it. No premiums, no setup fees and no contract: you fund approved claims plus a small per-claim fee, and your team is paid back by direct deposit.
More about usBuilt and run in Canada, for Canadian tax rules.
Plan data and receipts are stored in a Canadian data centre.
Employers never see receipts or medical details.
Transparent pricing. No claims, no fees.
Every plan follows the Income Tax Act rules for PHSPs. We calculate the provincial taxes for your province and keep a complete audit trail.
If you’re an incorporated business outside Quebec, and everyone on the plan is paid a salary (T4 income), you almost certainly qualify. Dividends alone don’t count. The eligibility check takes about a minute.
Choose a prepaid wallet you top up by card or bank debit, with optional automatic top-ups. Either way, you only pay for what’s approved, plus the per-claim fee and any provincial taxes.
You decide. You can allow a one-year rollover and a grace period after year-end for claims from last year.
Yes. Employees can add a spouse and dependants and claim for them, including the part of a bill another plan didn’t cover.
No. Employers see amounts, categories and status. Receipts and medical details are visible only to the employee and the claims reviewer.
No. It’s month to month with no setup or annual fees. If there are no claims in a month, there are no fees.
No setup fee, no contract and no claims means no cost. Check if you're eligible in about a minute.