Flexible Health Benefits for Canadian Businesses

Give your team tax-free health benefits without the cost and complexity of traditional insurance.

Set up an HSA
  • 7% administration fee · Pay as you go · CRA-compliant · Setup in minutes

Health Benefits Without Insurance.

Health Spending Accounts give you a simpler way to provide employee health benefits.

The Old Way

Monthly premiums
Annual rate increases
Fixed coverage
Pay whether employees use it or not

A Simpler Way

Set your own budget
100+ eligible health expenses
Pay only when claims are submitted
No monthly premiums

Small businesses deserve better health benefits.

Running a small business is hard enough. Offering great health benefits shouldn’t be.
 That’s why we built Coastal HSA to help small businesses take care of their people.

Trusted by 250+ Canadian businesses

Health Spending Accounts,Employee Health Benefits,Canadian Businesses,Flexible Health Plans,Tax-Efficient Benefits
5.0
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Health Spending Accounts,Employee Health Benefits,Canadian Businesses,Flexible Health Plans,Tax-Efficient BenefitsMichael Da S.
19:10 21 May 26
Coastal HSA has been an excellent partner in managing our employee group benefits program. They are highly responsive with claims processing and handle the administrative paperwork and regulatory requirements seamlessly for us as the employer. I would not hesitate to recommend them to any organization looking to provide a strong employee benefits program for their team.
Health Spending Accounts,Employee Health Benefits,Canadian Businesses,Flexible Health Plans,Tax-Efficient BenefitsSean G.
16:38 21 May 26
We’ve been using coastal HSA for over a year now and it’s been an excellent experience Sam and his team Offer really top-notch customer service to make sure you understand everything about their platform and make sure you don’t have any issues ever. Finding them has been a huge win for us and I couldn’t recommend them more.

What is a Health Spending Account?

A Health Spending Account (HSA) is a CRA-recognized employee benefit that allows businesses to reimburse employees tax-free for eligible medical, dental, vision, and other health expenses.

 

Instead of paying fixed monthly insurance premiums, businesses set an annual health spending allowance for each employee.

 

Employees submit eligible expenses and receive tax-free reimbursement up to their available balance. Businesses only pay when claims are submitted.

How HSAs Work

Benefits That Fit
Your Employees

Dental, vision, prescriptions, paramedical services, and 100+ eligible health expenses — all in one flexible HSA.

See Eligible Health Expenses

See How Coastal HSA Compares

Total admin fee per claim

HSA Health Wallet
7%
Other HSAs
up to 15%
Insurance
up to 25%
Flexible comprehensive coverage
Pay-as-you-go
100% coverage with no copays or deductibles
Automated pre-authorized debit funding
No extra fees for adding additional employees

How to Setup Your HSA

Set up your HSA in minutes and start offering flexible benefits today.

Set up an HSA

01

Create an Account

Use your work email to create a Plan Admin account and begin setting up your HSA plan.

02

Build The Plan

Add employees to your organization and allocate an annual health credit to each employee.

03

Activate the Plan

Complete a Pre-Authorized Debit (PAD) agreement and pay a $50 one-time setup fee to fund your health plan.

04

Employee Login

A welcome email is sent to employees with a link to access their HSA and start using it.