Health Spending Accounts for Canadians
Health Spending Accounts for Canadians
Call us: 1-888-218-4549
For Solopreneurs & Incorporated Individuals
No upfront payment required. Wellbytes is 100% free until you make a claim. If you don't use it, you pay $0.
You set 'Monthly Spending Limits' for employees. Maintain benefits year-round without budget surprises.
No PDF forms. No scanners. Snap a photo on our mobile app and get your money deposited in 1-2 days.
Unlike traditional HSA administrators, Wellbytes is built to control spend, not just process claims.
See the difference between “Just in Case” insurance vs. “Pay-As-You-Use” Wellbytes.
| The Difference | Traditional Insurance | Wellbytes HSA |
|---|---|---|
| What You Pay | Fixed premiums — use it or lose it | Pay only for what’s used — keep unspent funds |
| Your Cash Flow | Premiums typically increase 5-7% year over year | No forced increases — you control the budget |
| Unused Funds | Kept by the insurer | Stay with you — rollover or refund options |
| Flexibility | Rigid plans with category caps | Flexible spending on CRA-eligible expenses |
| Business Objective | Retain Premium and restricting payouts. | Facilitate usage, not block it. |
See how much you save immediately.
Use pre-tax corporate dollars for a wide range of CRA-eligible medical expenses, including:
Basic Cleaning
Orthodontics (Braces)
Crowns & Bridges
Invisalign
Prescription Drugs
Laser Eye Surgery
Glasses & Contacts
Hearing Aids
Massage Therapy
Chiropractic & Physio
Fertility Treatments (IVF)
Mental Health Therapy
Plus 124+ of CRA-approved expenses.
Offer much more flexibility and transparency than traditional insurances.
No insurance policies. No renewals. No premium inflation.
Claims are reviewed and documented in accordance with the Canadian Income Tax Act. Audit-ready records stored securely.
Independently audited controls for data security, availability, and confidentiality — the same standard used by banks and fintech platforms.
Your deposits are held in a segregated Trust Account at a major Canadian Tier-1 Bank. Your money is never commingled with operations.
Your data stays in Canada. Your records stay audit-ready.
Enter your business details below to instantly calculate your potential tax savings vs. traditional insurance.
No obligation. The website shows the savings estimation instantly.
Your data is secure. We use your Company Name & Region strictly to calculate accurate provincial tax credits. No spam.
Structured to CRA & Income Tax Act Guidelines.
100% Canadian Data Residency.
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