Every employee’s health needs are unique — their benefits should be too. Health and Wellness Spending Accounts (HSAs & WSAs) give employees the freedom to choose how to use their benefits dollars, creating a flexible, modern approach to employee care.
Health Spending Accounts (HSAs) and Wellness Spending Accounts (WSAs) are employer-funded benefits that reimburse employees for eligible health, wellness, or lifestyle expenses.
They’re tax-efficient, easy to administer, and incredibly flexible — empowering employees to spend benefit dollars where they matter most, from dental and prescriptions to gym memberships or mental health support.
Workplace Benefits partners with trusted Canadian carriers — including Manulife, Sun Life, Canada Life, and Desjardins — to offer custom HSA and WSA programs that align with your company’s values and budget. Serving employers across Alberta, British Columbia, and Ontario, we make flexible benefits simple, compliant, and impactful.
Why HSAs & WSAs Matter
For Employees
Personalize their benefits to suit individual or family needs.
Claim expenses like massages, therapy, gym memberships, or vision care.
Access tax-free (HSA) or taxable (WSA) benefits that improve overall well-being.
Feel valued through benefits that reflect modern lifestyles.
For Employers
Offer flexible coverage without large premium increases.
Encourage a culture of health, balance, and mental well-being.
Reduce unused benefit costs by funding only what employees use.
Attract and retain top talent with progressive, employee-centred benefits.
Spending accounts put employees in control — empowering choice while helping employers manage costs strategically.
Types of Spending Accounts
Every company’s workforce is unique — and so are their dental needs. Workplace Benefits offers a range of coverage levels and custom options:
Workplace Benefits will guide you through eligible expenses and design a plan that aligns with CRA rules and your workplace culture.
How Workplace Benefits Works With Employers
We make flexible benefits easy to launch and manage through our proven process:
Assess
Understand your workforce needs and current benefits structure.
1
Compare
Explore HSA and WSA options from all major providers.
2
Customize
Design spending accounts with the right funding levels and rules.
3
Support
Handle setup, claims management, and employee education.
4
Because Workplace Benefits is an independent broker, we provide objective advice — ensuring your plan maximizes value and compliance while minimizing administration.
Why Choose Workplace Benefits
Independent Expertise
Independent brokerage representing all major carriers
Tailored Solutions
Proven expertise in flexible and tax-efficient benefit design
Dedicated Support
Seamless setup, education, and long-term support
Cost Optimization
Transparent, data-driven recommendations — no hidden fees
National Reach
Local service across Alberta, British Columbia, and Ontario
Frequently Asked Questions
Everything you need to know about employee health benefits
What’s the difference between an HSA and a WSA?
An HSA covers medical expenses (tax-free), while a WSA covers broader lifestyle and wellness expenses (taxable).
Are spending accounts tax-deductible for employers?
Yes — contributions to both HSAs and WSAs are typically 100% deductible as a business expense.
Can unused balances carry forward?
Yes, most plans allow funds to carry forward for one year, but employers can customize the rules.
Can we offer HSAs without traditional health insurance?
Yes — HSAs can be standalone or paired with group health plans to fill coverage gaps.
Are spending accounts hard to administer?
Not at all. Modern platforms and digital claims systems make it seamless for both employers and employees.
Get Started with Flexible Spending Accounts
Empower your employees with choice and flexibility through Health and Wellness Spending Accounts. Whether you’re supplementing your existing benefits or building a flexible plan from the ground up, Workplace Benefits will help you design, launch, and manage a program that works for everyone.
Workplace Benefits designs cost-effective employee benefits & retirement plans across Alberta, BC & Ontario—helping businesses protect teams, control costs, and retain top talent.
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