Stop Paying Insurance Premiums for Benefits Your Employees Don’t Use
Wellbytes HSA platform helps reduce waste from unused traditional insurance premiums, supports CRA-aligned claims administration, and significantly reduces administrative effort for employers.
Give your employees the flexibility they deserve today!
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Zero Wasted Premiums

Stop paying upfront for things that your team may not use. With Wellbytes, you fund eligible claims based on actual usage.

Worry-free Compliance

Wellbytes supports claims processing in accordance with CRA guidelines, helping businesses maintain clear records and reduce administrative risk.

Enhanced Process

Save time with a fully digital, self-serve platform that reviews, processes, and manages employee claims efficiently.

Boost Employee Retention

Give employees greater choice by allowing them to use their health benefit dollars on eligible expenses that matter most to them.

How It Works

Simple for your business. Simple for your team.

01

You Set the Budget

You choose how much to allocate by employee class annually. Stay in control of the budget, and depending on plan design, unused funds may remain with the business or roll forward.

02

Employees Choose Their Care

Employees visit the providers they choose, then upload their receipt securely through the Wellbytes mobile app. No provider network restrictions.

03

Wellbytes Handle the Rest

Wellbytes reviews claims based on your plan setup and eligibility requirements, then reimburses employees directly by bank deposit.

Flexible HSA Plan vs. Traditional Insurance Plan

See the difference between fixed premiums and a flexible plan you can tailor around your business.

The Difference

1. What You Pay

2. Your Cash Flow

3. Unused Funds

4. Flexibility

5. Business Objective

Traditional Insurance

Wellbytes HSA

Fixed premiums, — regardless of usage

Pay based on reimbursed claims — keep unspent funds

Premiums typically increase 5-7% year over year

Flexible budgeting based on actual use

Kept by the insurer

Stay with you — rollover or refund options

Coverage rules and category limits may apply

Flexible spending on CRA-eligible expenses

Retain Premium and restricting payouts

Facilitate usage, not block it.

See how much you save immediately.

Bank-Grade Security. Audit-Ready Standards.

Confidence in Compliance

Our system supports claims administration in accordance with CRA guidelines, with securely stored documentation to support audit-ready recordkeeping.

Proven Security Standards

Our SOC 2 Type II certification reflects strong standards for security, availability, and confidentiality in how your data is handled.

HSA Wellbytes Funds Held In Trust

Secure Handling of Funds

Client funds are held in trust with a Schedule I Canadian bank and protected by applicable CDIC coverage, helping support the security of deposited funds.

Your data stays in Canada. Your records stay audit-ready.

Simple Pricing That Fits Your Business

Pay-As-You-Use

Billing is tied to claims utilization. Unused funds stay in your account.

10%

Applied only to reimbursed amounts. No hidden fee.

Annual Plan

Fees are based on your projected benefits budget.

Volume discounts.
Flexible funding options.
Saves up to 20% admin fee.

Wonder How Much You Could Save Using Wellbytes HSA?

Enter your business details. Get your potential tax savings vs. traditional insurance instantly based on your real situation.

[ Planning ] 2026-01_Zero-Premium_Google-Ads
What is an HSA

Recent Blog Posts

Learn which medical, dental, and vision expenses qualify for reimbursement under a Canadian Health Spending Account (HSA) in 2026. This guide covers eligible expense categories, required documentation, and Canada Revenue Agency (CRA) guidelines.

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