CRA-Approved Health Benefits
Looking for Group Insurance for Your Team?
There’s a Smarter, CRA-Approved Alternative.
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.
The Problem With Group Insurance? It’s Built for Corporates — Not Canadian Small Businesses.
You want to take care of your team — not overpay for unused benefits or get hit with surprise rate hikes.
Rising Premiums
Group insurance rates increase 10–15% annually — no matter how healthy your team is. You pay more each year, without getting more value.
One-Size-Fits-All
Plans are rigid. Your team’s needs aren’t. You end up paying for coverage most employees don’t even use.
Hidden Costs
Co-pays, deductibles, exclusions — you’re billed for benefits that aren’t fully delivered.
Limited Flexibility
Whether you have 3 employees or 30, group plans treat everyone the same — with no room to customize.
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.
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.
4
Traditional Group Insurance vs GoKlaim: What’s Really Better?
Compare both side by side and see why more businesses are choosing HSAs.
Features
Comparison
Cost Predictability
No surprises. You set the budget.
Pay Only When Used
You only pay when employees actually claim.
Employee choice
Employees pick what services matter — dental, therapy, vision, etc.
Admin Simplicity
No complex policies or brokers needed.
CRA-Compliant & 100% Tax-Deductible
Just like traditional benefits, but smarter.
Built for Small Teams
No group underwriting, no pooled risk.
What This Means For Your Business
Thousands of small businesses in Canada are switching to HSAs. Ready to see what your team could save?
Get Your Free HSA ConsultationClient Success Stories
What Are They Saying About Us?
Sean
Chief Product Officer
As a growing company, we were looking for a simple and effective way to offer meaningful benefits to our team. GoKlaim allowed us to offer them the flexibility they value—all while staying within our budget.
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!
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.
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.
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.
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).
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.
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.