GoKlaim offers Health Spending Accounts — a modern way for Canadian small businesses to give tax-free employee benefits without high premiums, complex policies, or pooled risk.
In 2023, average group insurance premiums in Canada rose by 11.4% — outpacing wage growth.
Forget Group Insurance.Meet the Smarter, Simpler Way to Offer Health Benefits.
Health Spending Accounts (HSAs) are a CRA-approved way to give your team tax-free health coverage — without the complexity, cost, or risk of traditional insurance.
What is an HSA?
An HSA is a tax-deductible benefit that lets you set a fixed health budget for your employees.
They choose what to spend it on — dental, therapy, vision, or anything CRA-eligible.You only pay when they use it.
Who Benefits from HSAs?
Anyone who wants cost control + employee flexibility
Employers frustrated with yearly rate hikes
Teams with diverse health needs
Small businesses that want to offer real benefits, not just pay premiums
How HSAs Work - It's Simple!
Set the Budget
You decide how much to offer each employee — $1,000, $1,500, etc. Fully deductible.
1
Employee Pays
They pay for any eligible health expense and upload the receipt.
2
Quick Reimbursement
We verify, approve, and reimburse. Fast.
3
CRA-Compliant Tax Write-off
Your business claims it as a tax-free expense. No surprises, no audits.
We were initially planning to go for group insurance, which was costly for a small company like us, but GoKlaim helped us get the benefits we actually want and also ensured our costs were managed effectively.
Martin
Financial Director, Gestisoft
The GoKlaim app was easy and quick to deploy, and its use is just as seamless! It’s a breeze for both users and administrators. I highly recommend it without hesitation!
Valérie
Human Resources Consultant, Caerha services RH
I've implemented GoKlaim for clients, and the platform is user-friendly and efficient. It's a perfect Quebec-based solution for small businesses offering personalized perks that employees love. The service is flawless!
Carolyne
Drummondville Sports
This app is remarkably simple, allowing everyone, even those less skilled, to use it easily. Additionally, the speed of refunds is incredible, ensuring a smooth and efficient user experience!
Sean Muir
Chief Product Officer
We were initially planning to go for group insurance, which was costly for a small company like us, but GoKlaim helped us get the benefits we actually want and also ensured our costs were managed effectively.
Martin Desrosiers
Directeur Financier Gestisoft
The GoKlaim app was easy and quick to deploy, and its use is just as seamless! It’s a breeze for both users and administrators. I highly recommend it without hesitation!
FAQ’s
Real Questions from Real Business Owners
We get it — insurance and benefits can be confusing. Here’s what smart, curious teams ask us most.
I’m a solo founder — can I still use an HSA?
Yes, even if you’re a one-person business, you can absolutely set up an HSA for yourself. It’s a smart way to convert medical expenses into tax-deductible business benefits — legally and CRA-compliantly.
What does an HSA actually cover?
A lot. Everything from dental and vision to therapy, chiropractic, prescription drugs, and more — as long as it’s CRA-eligible. Not sure if something’s covered? Just ask us. No pressure, no sales pitch — we’re genuinely here to help.
Does an HSA cover everything group insurance does?
Not everything — group insurance can cover rare high-risk events like critical illness or disability. But for everyday healthcare needs, preventive care, and employee flexibility? An HSA is often more than enough (and more cost-effective).
What about taxes? Are HSAs really tax-free?
Yes — for employees, HSA reimbursements are tax-free. For employers, contributions are 100% tax-deductible. Some rules vary slightly by province, but we’ll guide you through it during your free consult.
Is it expensive to set up an HSA?
Nope. While some providers overcharge, GoKlaim is built to save you money — not make you overpay like insurance brokers. We offer some of the lowest HSA admin fees in Canada.
Questions? Uncertainties? We’re here.
No Sales Pitch — Just Straight Answers.
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