Interactive tool

HSA vs Group Benefits Comparator

Two common ways to offer health coverage. Tell us your priority and see which is a better starting point for your team.

Number of employees

Monthly budget per employee (CAD, optional)

What matters most to you?

Predictable costI want a fixed, known budget Broad coverageInsured protection like disability & life Simple adminLeast paperwork for me Employee flexibilityLet staff choose how to spend

If you funded an HSA at your budget

—

per employee, per year, to spend on eligible expenses

A good starting point:

Request a Group Benefits Quote

	Health Spending Account	Traditional group benefits
Cost predictability	Fixed — you set the dollar amount per employee.	Varies with premiums, claims and renewals.
Coverage type	Flexible spending on eligible health & dental expenses.	Defined, insured coverage (drug, dental, paramedical, life, disability…).
Tax treatment	Generally tax-effective for employees — confirm with your accountant.	Employer-paid premiums are typically a business expense; some taxable benefits may apply.
Admin effort	Low — set the amount; claims are straightforward.	Moderate — enrolment, member changes and annual renewals.
Best fit	Small teams wanting budget certainty and flexibility.	Teams wanting broad, insured protection (disability, life, EAP).

Educational comparison — not tax or financial advice. Confirm tax treatment with your accountant. This tool is general information, not individualized advice.