Flexible Health Benefits for Canadian Businesses
Give your team tax-free health benefits without the cost and complexity of traditional insurance.
- 7% administration fee · Pay as you go · CRA-compliant
Health Benefits Without Insurance.
Health Spending Accounts give you a simpler way to provide employee health benefits.
The Old Way
- Monthly premiums
- Annual rate increases
- Limited coverage
- Pay whether employees use it or not
A Simpler Way
- Set your own budget
- 100+ eligible health expenses
- Pay only when claims are submitted
- No monthly premiums
Small businesses deserve better health benefits.
Running a small business is hard enough. Offering great health benefits shouldn’t be.
That’s why we built Coastal HSA to help small businesses take care of their people.
Trusted by 250+ Canadian businesses
What is a Health Spending Account?
A Health Spending Account (HSA) is a CRA-recognized employee benefit that allows businesses to reimburse employees tax-free for eligible medical, dental, vision, and other health expenses.
Instead of paying fixed monthly insurance premiums, businesses set an annual health spending allowance for each employee.
Employees submit eligible expenses and receive tax-free reimbursement up to their available balance. Businesses only pay when claims are submitted.
Benefits That Fit
Your Employees
Dental, vision, prescriptions, paramedical services, and 100+ eligible health expenses — all in one flexible HSA.
See How Coastal HSA Compares
Total admin fee per claim
7%
How to Set up Your HSA
Set up your HSA in minutes and start offering flexible benefits today.
01
Create an Account
Use your work email to create a Plan Admin account.
02
Build the Plan
Add employees and assign an annual HSA amount to each employee.
03
Activate the Plan
Complete your PAD agreement and pay the $50 one-time setup fee.
04
Employee Login
We send employees a welcome email with a link to access their HSA.