Guides

Everything you need to know about Health Spending Accounts in Canada. Who qualifies, what's covered, and how the tax savings work.

7 min read

HSA for Incorporated Professionals in Canada

A complete guide to using an HSA through your professional corporation. Covers qualification, setup, savings examples for doctors, lawyers, realtors, engineers, and tradespeople, and CRA compliance.

12 min read

HSA for Small Businesses in Canada

A complete guide to setting up and using an HSA for your small business in Canada. Covers costs, claims, family coverage, remote teams, and CRA compliance.

9 min read

Can a Sole Proprietor Get an HSA in Canada?

Sole proprietors face stricter HSA rules than incorporated businesses. This guide explains who qualifies, the arm's-length employee requirement, CRA contribution caps, and when incorporating makes more sense.

8 min read

Can You Use an HSA for Braces in Canada?

Braces can often be reimbursed through a valid HSA/PHSP in Canada. This guide explains the CRA rule, how insurance works with an HSA, and when the METC may help.

6 min read

Can You Use an HSA for a CPAP Machine in Canada?

CPAP machines can be reimbursed through an HSA when the device is prescribed and the plan is structured properly. Here’s a practical guide to what the CRA clearly supports and what you should confirm before claiming.

7 min read

Can You Use an HSA for Dental Implants in Canada?

Dental implants are often a strong HSA use in Canada, but the tax result depends on the CRA rules and how the plan is structured. This guide explains what usually qualifies and what to watch for.

20 min read

Can You Use an HSA for Hearing Aids in Canada?

Hearing aids cost $4,000-$12,000 a pair and insurance barely covers a fraction. A Health Spending Account covers the full cost with pre-tax dollars. Here's everything you need to know.

6 min read

Can You Use an HSA for Invisalign in Canada?

Invisalign is generally eligible as orthodontic work when billed by a dentist or medical practitioner. The exact result still depends on your HSA/PHSP plan terms and the invoice.

7 min read

Can You Use an HSA for IVF and Fertility Treatment in Canada?

Many fertility-related expenses can qualify for reimbursement through a Health Spending Account in Canada, but not every fertility-adjacent cost is eligible. This guide explains the current CRA rules, provincial supports, and the limits that matter.

20 min read

Can You Use an HSA for LASIK in Canada?

LASIK is almost never covered by insurance in Canada, but a Health Spending Account covers it in full. Here's everything you need to know about using an HSA for laser eye surgery.

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