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 benefitsHow it works
Create your account, set a monthly contribution per member, and add payment. Under 5 minutes.
Members get a link to set up their portal, connect their bank, and add dependents.
They submit receipts directly. No employer approval required — CRA self-certification.
Why HTA wins
Group plans force everyone into the same box. HTA is different in three ways that matter.
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.
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.
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.
+15.5% avg annual increase · carrier sets the price
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.
+0% · you set the price, always
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.
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
Eligible expenses
Every expense is CRA-verified. Members self-certify eligibility — no adjudication, no waiting.
Pricing
Platform fee includes:
+ 3.15% on contributions (covers payment processing)
Included with every plan
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
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
HTA
Set up in under 5 minutes. First charge on the 1st of next month.
Create your account