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Everything employers need
to build better benefits

Clear, practical guidance on health, wellness and flexible spending accounts, and group benefits for Canadian businesses. Learn how to design compliant plans, manage costs, and support employees with confidence.

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Research

The Best Way to Use Your HSA When Your Spouse Has Traditional Coverage

Learn how to coordinate your HSA with your spouse's traditional group benefits plan to reduce out-of-pocket costs and maximize your family's health coverage.

Advisor Education
For Employers
For Employees
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Insights

Can You Cash Out Your HSA in Canada?

The short answer is no — you can't cash out your HSA or WSA in Canada. Here's why, and how to make the most of your unused balance instead.

For Employers
For Employees
Health Spending Account
Wellness Spending Account
myFlexplan
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Insights

Buyer Beware: What's Not Eligible Under Your Canadian HSA (Yet)

Just because a product is labelled HSA-eligible online doesn't mean it qualifies under Canadian CRA guidelines — here's what to watch out for.

For Employees
For Employers
Advisor Education
Health Spending Account
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Insights

Health Spending Accounts vs Health Insurance

Health insurance offers preset coverage through premiums, while an HSA gives employees flexible, employer-funded dollars to spend tax-free — here's how they compare.

Health Spending Account
For Employees
Advisor Education
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Insights

How HSAs and WSAs Can Support Women's Health

With 75% of Canadian women wanting benefits that support women's health, HSAs and WSAs offer the flexibility employers need to meet those needs.

For Employers
Advisor Education
myFlexplan
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Insights

7 Ways to Plan for Your Health Spending Account Expenses

Make the most of your tax-free HSA dollars with these seven practical strategies for planning your annual health spending account expenses.

For Employees
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Insights

5 Surprising Ways to Use Your Wellness Spending Account

Your health and wellness spending account isn’t just for gym memberships and fitness classes—it’s a flexible tool to help you achieve your wellness goals in creative and unexpected ways. Whether...

For Employees
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Insights

How to Maximize your Benefits with myHSA

Getting the most out of your benefits with your health and wellness spending accounts is easy, but it does take a little preparation! We have a few simple tips on how to get the most out of your...

For Employees
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Insights

How to Use Your Health & Wellness Spending Account

When people think about health and wellness spending accounts, they often picture using them for reactive care—like seeing a physiotherapist after an injury or visiting the dentist when they have a...

For Employees
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Insights

Your Guide to Health & Wellness Spending Accounts

Everything you need to know about using your myHSA spending account — what's covered, how to submit claims, and tips for getting the most out of your benefits.

For Employees
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Insights

Maximizing Your Health and Wellness Benefits

Your health and wellness spending account offers more than just a way to cover some extra expenses—it’s designed to support a healthier lifestyle, boost your mental and physical well-being, and...

For Employees
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Insights

Avoiding Last-Minute Stress: Tips for Staying Organized

Your health and wellness spending account is a fantastic resource to support your well-being—but if you’ve ever felt the stress of scrambling to submit expenses at the last minute, you’re not alone!...

For Employees
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Insights

Using myFlexplan to Help Provide Mental Health Benefits

In the past, employee benefits were mostly about covering the basics—medical insurance, dental care, and maybe some life insurance. While those are still important, today’s employees expect more....

For Employers
myFlexplan
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Insights

Why Health and Wellness Spending Accounts Are a Smart Choice

As a small business owner, you know that keeping your team happy and healthy is key to success. But with so many options out there, figuring out which benefits package is the right fit can be...

For Employers
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Research

Setting up a Health and Wellness Spending Account

Starting a new benefits program might sound like a big, complicated task, especially for small businesses. But when it comes to health and wellness spending accounts (HSA/WSA), setting things up is...

Advisor Education
For Employers
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Insights

Setting Up myHSA for Your Team

Ready to supercharge your benefits package with flexible spending accounts that your employees will love? Let's dive into how you can set up myHSA for your company. Whether you want to set up a...

For Employers
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Insights

Unlock the Power of Fitness Trackers with Your WSA

Are you ready to take your fitness journey to the next level? Did you know that your Wellness Spending Account (WSA) might cover the cost of a new fitness tracker? That’s right—devices that help you...

Wellness Spending Account
For Employees
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Insights

What your Benefits Plan Says About your Company

Every company culture and structure is unique, from small independent businesses to large international corporations, there are no two company cultures that are exactly alike. With different values,...

For Employers
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Research

Can Spouses at the same company have their own myHSA accounts?

It is not uncommon for company owners to employ their spouse, however, when it comes to Health Spending Accounts (HSAs), navigating the complexities of having both spouses as employees requires...

Advisor Education
For Employers
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Insights

How myFlexplan can help you achieve your goals

It’s that time of year again, when people take a look back at the previous year and identify some changes they might want to make for the new year. Can they finally change bad habits? Has there been...

For Employers
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Research

Mythbusters Edition

Clearing up common HSA myths: yes, a sole shareholder-employee can have an HSA when set up correctly, and no, having T4 income doesn't automatically disqualify you.

Advisor Education
For Employers
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Insights

Different Types of Reports

Reports serve as a vital tool, providing essential insights for both advisors and plan administrators. They aid in comprehending plan utilization, billing details, forecast projections, and even...

For Employers
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Insights

Reporting Dental Benefits

Important guidance for employers offering dental coverage through myHSA on how to correctly report benefits using CRA's Code 2 or Code 3 designations.

For Employers
Important Information
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Insights

Health Spending Account vs. Wellness Spending Account

In the realm of employee benefits, two terms that can cause confusion are "Health Spending Account" (HSA) and "Wellness Spending Account" (WSA). While they may sound similar, these two accounts serve...

For Employers
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Insights

Wellness Spending Accounts: Expectations vs Reality

In the realm of progressive employee benefits, Wellness Spending Accounts (WSAs) stand out as beacons of support for individual health and well-being. Understanding the unique strengths of WSAs can...

For Employers
Wellness Spending Account
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Insights

The Ripple Effect: Why Health and Wellness in the Workplace Matters

In the fast-paced and competitive world of business, companies are increasingly recognizing the importance of fostering a healthy and supportive work environment. Beyond the bottom line, the...

For Employers
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Insights

How to Get Your Claims Reimbursed

A step-by-step guide to submitting HSA claims correctly the first time — from collecting the official receipt to ensuring your expense is eligible under CRA guidelines.

For Employers
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Insights

The Misunderstood Gem: Wellness Spending Accounts

In the world of employee benefits, the term "Wellness Spending Aaccount" may seem straightforward. Many employers often view it as an additional monetary perk – a small pot of money they can tap into...

Wellness Spending Account
For Employers
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Insights

Positioning a myFlexplan: Empowering Employees with Choice

It’s not uncommon for advisors to tell me that the client “just wants an HSA for now, they don’t want to overcomplicate things for them or the employees with more options.” I get the sense that the...

myFlexplan
For Employers
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Insights

myFlexplan & Allocation

With a new benefits plan, or anything new really, we have found that it is generally helpful to understand the common terms that are used when discussing the details of the plan. This brings us to...

For Employers
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Research

myASO and DEI Initiatives

myASO originated from requests to customize HSA plans and exclude specific items — now it's a powerful tool for creating DEI-focused, fully customizable benefit plans.

Advisor Education
For Employers
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Insights

The Advantages of myFlexplan

myFlexplan combines the tax benefits of an HSA with the flexibility of a WSA, giving employees the power to choose benefits that fit their personal needs.

For Employers
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Insights

5 Ways a WSA Can Help With DEI Initiatives

Diversity, Equity and Inclusion (DEI) initiatives are more important than ever for businesses of all sizes. A Wellness Spending Account (WSA) is one of the best ways to contribute to DEI...

Wellness Spending Account
For Employers
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Insights

5 Reasons Why Your Business Should Offer a WSA

Wellness Spending Accounts (WSAs), sometimes called Lifestyle Spending Accounts, Personal Spending Accounts, and countless others, are a top employee attraction and retention tool for businesses of...

For Employers
Wellness Spending Account
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Insights

What is a Flexible Spending Account?

So, you have probably heard of a Health Spending Account (HSA), a non-taxable way to provide employee benefits to cover eligible medical expenses. The eligible medical expenses are determined by the...

For Employers
myFlexplan
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Research

Why does my small business need an Insurance Advisor?

You already run your own small business and can sometimes wear dozens of hats in a day, from HR, to customer support, to tech support, the list can feel endless – so why not just add insurance and...

Advisor Education
For Employers
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Research

The Shift in Benefits

Post-pandemic data from 90,000+ employees on the myHSA platform reveals how spending accounts have shifted from a nice-to-have to a core part of employee benefits.

Advisor Education
For Employers
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Insights

Why offer a WSA?

A Wellness Spending Account is more than an alternative to salary — it's a tool for attracting and retaining employees by giving them real flexibility in their benefits.

For Employers
Wellness Spending Account
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