CRA-compliant · Canadian PHSP

Health benefits that put money where it counts.

HTA replaces rigid group benefits with a flexible, tax-free spending account. Members choose what they claim.

You control the cost · No setup fees · Cancel anytime

See how much you save vs traditional benefits

How it works

Three steps to your first claim.

01

Set up your plan

Create your account, set a monthly contribution per member, and add payment. Under 5 minutes.

02

Invite your team

Members get a link to set up their portal, connect their bank, and add dependents.

03

Members claim

They submit receipts directly. No employer approval required — CRA self-certification.

Why HTA wins

Traditional benefits were designed for the plan, not the person.

Group plans force everyone into the same box. HTA is different in three ways that matter.

Traditional plan

One plan. One size. Fits nobody perfectly.

Your employer picks a plan: dental, vision, basic drugs. Everyone gets the same thing. The 28-year-old pays for coverage they'll never use. The parent of three can't get enough. Nobody's happy, but you're all paying the same.

Sarah (25, healthy) — pays for fertility coverage she doesn't need
Mike (42, 3 kids) — dental cap hit in March, on his own until January
Priya — needs physio weekly, plan covers 10 visits a year
With HTA

Every dollar goes toward what they actually need.

Each employee gets an account funded by you. They spend it on whatever eligible healthcare they actually use — dental, physio, mental health, prescriptions, fertility, vision. Their plan, their priorities.

Sarah spends hers on therapy and a gym membership
Mike uses his on dental and his kids' prescriptions
Priya covers all 52 physio sessions — no cap
Traditional plan

Renewal season. Brace for the bad news.

Every year, your broker calls with a renewal quote. Claims were up. The carrier adjusted their rates. Inflation. Healthcare costs. The number is always higher — 8%, 15%, sometimes 30%. You either swallow the increase or spend months shopping for a new plan.

Year 1
$400/mo
Year 2
$462/mo
Year 3
$543/mo

+15.5% avg annual increase · carrier sets the price

With HTA

Your cost goes up only when you decide it does.

There are no renewals. No carrier adjustments. No surprise rate hikes. You set the monthly contribution per employee — and it only changes when you choose to change it. You're in control, always.

Year 1
$300/mo
Year 2
$300/mo
Year 3
$300/mo

+0% · you set the price, always

Traditional plan

Use it or lose it. Every single year.

Traditional benefits reset every January. Whatever you didn't claim is gone. So instead of saving up for the care you actually want — Invisalign, laser eye surgery, IVF — you're rushing to spend on things you don't really need before the year ends.

😬December scramble — buy glasses you don't need just to use your vision benefit
💸Invisalign costs $6,000. Your plan covers $1,500/year. Math doesn't work.
IVF, laser eye, major dental — out of reach without years of saving on your own
With HTA

Balances last 7 years. Big care becomes possible.

Your HTA balance accumulates for up to 7 years — and stays with you even if you change jobs. That means members can actually save up for the healthcare they want, not just the healthcare that fits a one-year window.

😁

Invisalign

$5,000–8,000

reachable in 2–3 yrs

👁️

Laser Eye

$3,000–5,000

reachable in 1–2 yrs

🍼

IVF cycle

$15,000+

reachable in 3–5 yrs

Balance stays portable — employees keep access for the full 7 years even if they leave the company.

Eligible expenses

60+ covered expense types.

Every expense is CRA-verified. Members self-certify eligibility — no adjudication, no waiting.

🦷Dental
👁️Vision
💊Prescriptions
🧠Mental Health
🏃Physiotherapy
🌿Naturopath
🦴Chiropractic
🔬Lab Tests
✈️Medical Travel
👶Fertility
🏥Hospital Care
50+ more

Pricing

Simple. Transparent. No surprises.

$30/ member / month

Platform fee includes:

🛡️ Stop-Loss Coverage
💊 Drug Coverage
✈️ Travel Insurance
🦷 Emergency Dental
🏥 Catastrophic Coverage

+ 3.15% on contributions (covers payment processing)

Unlimited members
CRA-compliant PHSP structure
Member web portal + mobile app
Monthly auto-billing, real-time balances
Get started free

Included with every plan

Five insurance products.

Real coverage that protects your members and their families when it matters most.

🛡️

Stop-Loss

Catastrophic claim protection

💊

Drug Coverage

Prescription benefits

✈️

Travel

Emergency medical worldwide

🦷

Emergency Dental

Urgent dental care

🏥

Catastrophic

Major surgery & cancer

The math

Traditional plans lose 30¢ of every dollar.
HTA loses 3¢.

With traditional group benefits, up to 30% of your benefits budget goes to carrier overhead, admin, and profit — not your employees' healthcare. HTA sends 97¢ of every dollar directly to your team.

Calculate your savings

Traditional

30¢ lost to carrier
70¢ to healthcare

HTA

3¢ lost to fees
97¢ to healthcare

Ready to get started?

Set up in under 5 minutes. First charge on the 1st of next month.

Create your account