Toronto-based. Ontario-wide.

Health Spending Accounts for Ontario Businesses

Give your team more choice in eligible health, dental and vision expenses. You set the allocation. Wellbytes handles the claims workflow.

$0 setup10% on reimbursed claimsNo subscription fees on Pay-As-You-Use

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Business team collaborating around a whiteboard in an office

Toronto-based, serving Ontario businessesBenefits data stored in CanadaCRA-aligned claims administration

Beyond provincial coverage

OHIP is a start.
Your team’s needs go further.

Help your team pay for eligible healthcare expenses that OHIP or another benefits plan doesn’t fully cover.

Dental care

Checkups, fillings and other qualifying dental treatment.

Vision care

Prescription glasses, contact lenses and eligible eye care.

Prescription drugs

Eligible prescribed medicines and qualifying pharmacy expenses.

Other eligible care

Qualifying services from authorized medical practitioners.

Explore eligible expenses →

A clearer benefits budget

Choose your plan. See your cost.

Pay-As-You-Use

10%

10% of eligible reimbursed amounts, plus applicable taxes.

Pay for administration as your team uses its HSA.

No setup, monthly or annual subscription fees.

Get started

Annual Plan

Fees follow the accepted annual funding amount and administration rate.

Contact sales

Volume discounts
Flexible funding options
Ask about accepted volume-pricing terms

Estimate your Pay-As-You-Use cost

Number of employees

Annual allocation each (CAD)

How much might your team use?65%

Your illustrative estimate

Total employee allocation$10,000

Estimated reimbursements$6,500

Administration fee10% of reimbursed claims$650

Reimbursements + feeBefore applicable taxes$7,150

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A $180 dental claim, explained.

$180Employee’s claim

$18Administration fee

$198Employer cost
before taxes

Employee receives$180Full approved reimbursement

More value from your compensation budget

A $15,000 HSA can provide more healthcare value than a $20,000 raise in salary.

In this example, your employee receives $2,000 more for eligible healthcare, while your business spends $3,500 less before applicable taxes. Here’s how the two options compare.

Salary increase

$20,000

Additional annual gross salary

Employee receives after income tax: $13,000
Employer salary cost: $20,000

Cash the employee can spend on anything.

Employer-funded HSA

$15,000

Annual eligible health spending allocation

Employee receives if fully claimed and approved: $15,000
Administration fee at 10%: $1,500
Employer cost before applicable taxes: $16,500

Reimbursement for eligible health expenses for the employee and covered dependants, under a qualifying plan.

$3,500 lower employer cost

$2,000 more for eligible health expenses

Explore a Plan for Your Team

Digital benefits. Human review.

Easy for your team.
Clear for you.

Choose the employee allocation.
Build a plan around your team and benefit budget.
Employees submit receipts online.
Wellbytes reviews eligibility, documents and plan requirements.
Approved claims are reimbursed.
Employees receive reimbursement by direct deposit.

Start Online Setup

Illustrative Wellbytes employer portal and employee mobile experience showing benefit balances and claim activity

Toronto waterfront skyline with the CN Tower

Close to home. Built for your business.

Toronto-based.
Here for your Ontario team.

You want to support your people without losing sight of what benefits cost. Wellbytes brings flexible health spending and a digital claims workflow to businesses across Ontario.

Canadian data storage

Your benefits data stays in Canada.

Careful claims review

Eligibility, receipts and plan rules checked by a person.

Help when you need it

Talk through your plan with Wellbytes.

18 King Street East, Toronto, ON1-888-218-4549 Talk to Wellbytes →

Give your Ontario team
more choice in health spending.

Start your digital setup with business and contact details. Wellbytes will guide you through the next steps.

Start Online Setup Talk to Wellbytes

Pay-As-You-Use · No subscription fees

Before you get started

Ontario HSA questions, answered.

Check the details that matter for your business.

Looking for an HSA for yourself and your family through your corporation? Explore incorporated professional plans.

Can my Ontario small business offer an HSA?

An employer can offer an HSA to eligible employees through a properly structured plan. Business structure, employee relationships and plan design matter. Wellbytes can help you review the appropriate setup.

Are HSA reimbursements taxable to Ontario employees?

Eligible medical reimbursements under a qualifying Private Health Services Plan (PHSP) are generally not a taxable benefit to employees. The plan must meet applicable requirements. This is separate from taxes payable on plan costs.

Can an HSA work alongside our existing benefits?

Yes. An HSA can help reimburse eligible amounts left unpaid by another benefits plan, within the available allocation. Employees should use other applicable coverage first and provide the relevant benefit statement. The same expense cannot be reimbursed twice.

What will my Ontario business pay?

Under Pay-As-You-Use, your business funds approved reimbursements plus a 10% administration fee, with no subscription fees. An Annual Plan bases fees on your projected benefits budget. Contact Sales to compare your options.

What happens after I click “Start Online Setup”?

You enter the online onboarding process, beginning with business and contact details. Have your registered business name, office address and contact information ready. Your CRA Business Number is optional at the first step and required for activation.

How is the plan funded, and what happens to unused allocation?

An allocation is the benefit amount available to employees, not a forecast of claims. Funding arrangements and any reserve requirements are confirmed for your plan. Carry-over of unused employee allocation depends on your plan rules; it is not an automatic cash refund to employees.

Health Spending Account Ontario

Health Spending Accounts for Ontario Businesses