HSA for Lawyers and Law Firms in Canada

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

Most lawyers in private practice are already incorporated. That means you are one step away from turning personal healthcare costs into a deductible business expense. A Health Spending Account lets your corporation reimburse you for medical expenses -- tax-free to you, fully deductible for the business.

Why Lawyers Are a Perfect Fit

If you operate through a professional corporation and pay yourself a T4 salary, you qualify. That covers the vast majority of lawyers in private practice -- solo practitioners, small firms, and firms with support staff.

You are probably paying for dental, glasses, prescriptions, and therapy out of pocket with after-tax income. Every $1,000 in health expenses costs you $1,400 to $1,800 after income tax. With an HSA, your corporation covers those costs as a deductible expense and you receive the reimbursement tax-free.

How Lawyers Actually Use Their HSA

Here are the eligible medical expenses we see most often from lawyers:

  • Dental for the whole family -- cleanings, crowns, orthodontics
  • Glasses and contact lenses
  • Prescription medications
  • Massage and physiotherapy from long desk hours
  • Mental health support -- therapy and counselling, important in a high-stress profession
  • Chiropractic care

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

Tax Savings Example

Say your annual HSA limit is $4,000 and your family uses the full amount:

  • Dental: $1,200
  • Glasses for you and your spouse: $800
  • Physiotherapy: $600
  • Prescriptions: $500
  • Therapy: $900
  • Total: $4,000

Without the HSA, you would need $5,600 to $7,200 in pre-tax income to cover those costs. With the HSA, your corporation deducts the full $4,000. For lawyers with $3,000 to $5,000 in annual expenses, the savings land between $1,000 and $2,000 per year.

A Better Alternative to Law Society Group Plans

Many lawyers default to group plans through their law society or bar association. These charge monthly premiums whether you use them or not, lock you into fixed tiers, and often exclude what you actually need. Solo practitioners and small firms can end up paying $200 to $400 per month for coverage they barely touch.

An HSA flips that. You only pay when there is an actual expense. No premiums, no wasted coverage. And it covers anything the CRA allows -- far broader than most group plans.

Offering an HSA to Your Team

If you run a firm with associates, paralegals, or admin staff, an HSA is one of the most cost-effective benefits you can offer. No monthly premiums -- you only pay when someone submits a claim. It is fully deductible for the firm and tax-free to employees. For small firms competing for talent, it makes a real difference without the overhead of traditional insurance.

Get Started With Frontier Health

At Frontier Health, setting up an HSA for your law practice takes about 10 minutes. Submit receipts through our app, get reimbursed within 48 hours, and everything stays CRA-compliant.

Simplify Your Business Health Benefits

Get Started