Long-form briefs for the conversations Canadian SMB owners and HR leaders actually have.
Objection-handling references, plan-design walkthroughs, and the math behind the headlines. New entries land roughly monthly.
- Pillar resource
What Is a Health Spending Account?
A plain-English guide to how HSAs work in Canada: what they cover, what they don't, how they differ from the U.S. version, and how the CRA treats them.
- Canadian employers and HR teams
- 9 min read
- Updated 2026-05-06
- Pillar resource
CRA Health Spending Account Rules
Everything the Canada Revenue Agency says about Health Spending Accounts, in plain English, with every rule cited back to the Income Tax Act and CRA interpretation bulletins.
- Canadian employers, owner-operators, and accountants
- 14 min read
- Updated 2026-05-11
- Pillar resource
CRA Eligible Medical Expenses
The A-to-Z list of medical expenses the CRA allows under a Health Spending Account, with the Income Tax Act subsection for each category.
- Canadian employers and plan administrators
- 18 min read
- Updated 2026-08-12
- Pillar resource
Health Spending Account Ontario
Ontario-specific HSA tax rules, the 8% RST + 2% premium tax + 13% HST stack, OHIP coverage gaps, and what a $1,000 claim actually costs an Ontario employer in 2026.
- Ontario employers, owner-operators, and accountants
- 21 min read
- Updated 2026-08-12
- Pillar resource
HSA Accounting Treatment Canada
Debits and credits for every Health Spending Account transaction, the T2 deduction, the Quebec RL-1 exception, and GST/HST on administration fees.
- Accountants and CFOs
- 21 min read
- Updated 2026-08-12
- Pillar resource
HSA vs. Blue Cross Insurance
How a standalone Health Spending Account compares with a Blue Cross group plan, when each model wins, and how to run them together.
- Canadian SMB owners comparing options
- 18 min read
- Updated 2026-08-12
- Pillar resource
The Life Insurance Question
Why HSAs in Canada can't reimburse life insurance premiums, and the three cleaner paths Canadian employers use to add life and AD&D coverage without the bundle.
- Canadian SMB owners + HR leaders
- 7 min read
- Updated 2026-05-05