Coastal HSA for Accountants & Financial Advisors
Recommend Coastal HSA for your HSA Needs
We support accountants, bookkeepers, advisors, and consultants who want a reliable HSA solution they can confidently introduce to their clients. Our platform makes health benefit reimbursement simple, predictable, and fully aligned with Canadian tax rules.
CRA-Compliant Structure
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T4-based HSA limits
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Fairness rules
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Eligible expense adjudication
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Proper carry-over and claim-cutoff rules
- Incorporated businesses or sole proprietors with at least one arm’s-length employee.
Simple, Predictable, Pay-As-You-Go Pricing
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No monthly premiums
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No set-up fees (except optional one-time $10 PAD activation fee)
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No cost to add employees
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6% admin fee on claims paid (5% for nonprofits)
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Fully deductible business expense
Fast & Easy for Clients
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Employees submit receipts through the app
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Coastal HSA adjudicates the claim
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Employer funds the claim
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Employees are reimbursed by direct deposit
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Full reporting for year-end and bookkeeping
Built for 1–500 Employees
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a one-person consulting corporation
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a family-run business
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a non-profit
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a 40-employee shop
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or a 150-employee operation
The employer sets an annual HSA amount for each employee.
Employees incur an eligible medical or dental expense.
They upload the receipt in the Coastal app.
Coastal HSA adjudicates according to CRA eligibility.
Employer funds the claim (via PAD agreement).
Employee receives a tax-free reimbursement.
Employer deducts the expense + admin fee + any applicable taxes
As a simple thank-you, we offer a referral coffee gift card when a client you introduce signs up.
$25 for 1-9 employees
$100 for 10+ employees