Access your Health Spending Account (HSA) by logging in.

My HSA caters to the diverse needs of different generations within the workforce with customized benefits. Utilize a user-friendly digital platform for submitting claims online and receiving quick reimbursement.

Click on one of the below topics to unpack your HSA:

Define HSA Account

A health spending account (HSA) is a Canada Revenue Agency-approved method that allows personal qualifying medical expenses (e.g. health, dental, vision, massage, chiropractic) to be paid for in a tax-efficient manner.

Through myHSA, your corporation can write off 100% of all qualifying medical expenses. Qualifying medical expenses incurred by employees and their families can be reimbursed tax-free.

Who Needs HSA

This product is ideal for business owners who are incorporated. It is the most tax-effective way to run health, dental and vision expenses through the corporation. HSAs substantially reduce actuarial, administration and adjudication expenses, reducing employer costs.

An HSA can be used as a standalone health plan or with a traditional insured plan. Traditional insured health plans typically offer restricted health benefits and dollar
maximums.

How HSA Works

The myHSA plan is a Pay-As-You-Go plan. There are no mandatory monthly or annual premiums. You only pay if and when a claim is submitted. There are no deductibles and no restrictions on qualified expenses. When an expense is submitted, the corporation simply pays the claim amount plus an administration fee. The HSA fee covers the administrative and compliance service required for the benefits to be paid non-taxable. The claim is then processed online.

Qualification for HSA

The employer has complete control over which employees are covered under the plan. Separate classes of employees can have separate amounts available for the employees to spend.

Make a HSA Claim

For business owners, the default is S 15,000 per annum per individual (if you have an extraordinary expense forthcoming, please inform us). If your spouse is also an employee of your company, they would be entitled to a further S 15,000. Other employee classes are decided by you, providing you with the flexibility to allocate maximums best suited to your employees.

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Personal Health Plan

Get a customizable health insurance plan that helps replace or fill the gaps in your provincial or workplace benefits, whether you’re looking for individual or family health insurance that best meets your needs. A Basic Plan Includes:

Accidental Dental
Ambulance
Diabetic Supplies
Health Practitioners
Hearing Aids

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Access your health care savings in a snap.

Say goodbye to the hassle of filing claims and waiting for reimbursement. Our easy-to-use online portal allows you to sign into your HSA account and access your healthcare savings anytime. Get the peace of mind that comes with knowing you have funds available to cover your medical expenses at your fingertips.

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Save more on your health care costs.

With Health Spending Accounts, you can reduce expenses across the board. From actuarial calculations to administrative tasks and marketing efforts, HSAs help you save more on healthcare costs. This plan allows the employer to manage their health benefits “spend risk” by defining the annual allowance and removing the risk of annual claims experience-based renewals.

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Protect your health with HSA.

Employers can provide their employees with Health and Dental plans in conjunction with standalone plans. All qualifying medical expenses under the Income Tax Act are eligible, which differs from traditional group insurance plans (insured PHSPs), offering restricted benefits and dollar maximums.

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HSA