HSA for Dentists, Doctors, and Healthcare Professionals in Canada

By Frontier Team•February 10, 2026•3 min read

You spend your days taking care of other people's health. But when it comes to your own medical expenses — and your family's — you're probably paying out of pocket with after-tax dollars. If you're incorporated, there's a better way.

The Irony of Paying Out of Pocket

You know better than anyone how expensive healthcare can be. Orthodontics for the kids, new glasses for your spouse, prescriptions that add up month after month. Yet many incorporated dentists, physicians, and specialists still pay for these costs with personal after-tax income. That means every $1,000 in health expenses actually costs you $1,400 to $1,800 once you account for income tax.

A Health Spending Account lets your professional corporation cover those same expenses as a tax-deductible business cost. The reimbursement is completely tax-free to you. No premiums, no wasted coverage.

How It Works for You

Your professional corporation sets up an HSA and chooses an annual limit. You pay yourself a T4 salary (most healthcare professionals already do). When you or your family has a health expense, your corporation reimburses it and deducts the full amount as a business expense. You receive the money tax-free — it never hits your T4.

It is that simple. Your corporation already deducts rent, staff salaries, and equipment. This is no different.

Common Expenses Healthcare Professionals Claim

Here are the eligible medical expenses we see most often from dentists, doctors, and specialists:

  • Dental work for family members (you can't exactly treat your own spouse)
  • Prescription drugs and medications
  • Vision care — glasses, contacts, laser eye surgery
  • Physiotherapy, massage, chiropractic
  • Mental health services
  • Fertility treatments
  • Medical devices and equipment for personal use

Your spouse and dependent children are all covered under the same plan.

A Real Example

Dr. Patel is a dentist billing $250,000 through her professional corporation. She sets up an HSA with a $4,000 annual limit. Over the year, her family's expenses add up:

  • Family prescriptions: $800
  • Husband's new glasses: $600
  • Kids' orthodontics: $1,800
  • Her own physiotherapy: $800
  • Total: $4,000

Without the HSA, Dr. Patel would need roughly $5,400 to $5,800 in pre-tax personal income to cover those same costs. With the HSA, her corporation deducts the full $4,000 plus a small admin fee. That is $1,400 to $1,800 back in her pocket — every single year.

Clinic Owners With Staff

If you run a clinic with hygienists, assistants, or office staff, you can extend the HSA to your team as well. It is one of the most cost-effective benefits you can offer — no monthly premiums, no insurance company markups, and your employees only use it when they actually need it. The full amount is deductible for your corporation.

For small clinic teams, this can be the difference between offering a real health benefit and offering nothing at all.

Get Started With Frontier Health

At Frontier Health, plans for solo incorporated professionals start at just $120 per year plus a small percentage per claim. Submit receipts through our app, get reimbursed within 48 hours, and everything stays fully CRA-compliant. Setup takes about 10 minutes.

Simplify Your Business Health Benefits

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