Health Spending Accounts

Flexible Employee Health Benefits for Canadian Businesses

Modern pay-as-you-go Health Spending Accounts with low fees.

Set up an HSA
  • Extended Health Plan
  • Tax-efficient
  • CRA-compliant plan design
  • Setup in minutes

Trusted by Businesses Across Canada

Health Spending Accounts,Employee Health Benefits,Canadian Businesses,Flexible Health Plans,Tax-Efficient Benefits
Coastal HSA Services Inc.
5.0
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Health Spending Accounts,Employee Health Benefits,Canadian Businesses,Flexible Health Plans,Tax-Efficient Benefits
Michael 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 Benefits
Sean 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.
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A Better Way to Do Benefits

Tired of the insurance hassle? There's a better way.

The Problem

Traditional health insurance plans often leave employers paying more and employees getting less due to expensive monthly premiums, commissions, administrative overhead, and out-of-pocket costs.

The Solution

Health Spending Accounts (HSAs) are simple, flexible, and affordable. We believe they are the gold standard of employee health benefits, which is why HSAs are the only product we offer.

What is a Health Spending Account?

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

 

Instead of paying fixed monthly insurance premiums, the business provides employees with a set annual health allowance. Employees use that allowance to cover eligible health expenses, submit their receipts, and receive tax-free reimbursements, while the business claims the cost as a tax deduction.

HSA Structure
Health Spending Accounts,Employee Health Benefits,Canadian Businesses,Flexible Health Plans,Tax-Efficient Benefits

Trusted HSA experts

Why Businesses Choose Coastal HSA

Extensive coverage

Give employees the flexibility to use their health benefits on the care they need most. No wasted coverage or unnecessary restrictions.

Value for your health budget

No upfront funding required. Only pay for eligible claims as they’re submitted. With a tax-efficient structure and low fees, more of your budget goes toward employee health.

Quick reimbursements

Employees can submit claims in under a minute and receive reimbursements within 2–5 business days. No complex processes or unnecessary delays.
Our Commitment

Your admin fee.
Locked in.

7% on every claim. Guaranteed for 7 years. No rate increases. No renewal negotiations. No hidden fees.

Your price is locked in. You're not. Cancel anytime with 30 days' notice.

  • Rate locked 7% on claims, guaranteed for 7 years.
  • No surprises Your rate stays the same year after year.
  • Pay-as-you-go Pay only when claims are made.
  • Cancel with ease No long-term contracts or cancellation penalties.

Compare health plans

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.