33 years in the benefits industry
Former underwriter - Pacific Blue Cross
4-business hour response, guaranteed
Licensed in Alberta & BC
The benefit nobody told you about
When you left an employer to go independent, you left the benefits plan behind. Most incorporated contractors in Alberta and BC just absorb that - paying health costs personally, with dollars that have already been taxed.
Turn personal costs into a business deduction.
Dental, vision, physio, prescriptions - your corporation pays and deducts them, tax-free to you.
You set the limit.
Set an annual limit based on what your family actually spends, not a generic package.
Set up in days, not weeks.
A one-person corporation is the most common setup I see - there's no minimum company size.
Paired with real protection.
An HSA covers routine costs. I'll also make sure you're not skipping disability and life coverage for the big risks.
An HSA is right for you if:
you're incorporated in Alberta or BC with predictable medical, dental, or vision spending - and you're currently paying those costs personally, with dollars that have already been taxed.
It's not the right tool if:
you're looking for protection against a catastrophic event - an HSA isn't insurance. For that you need disability and life coverage, which I'd rather discuss honestly than sell you an HSA and call you covered.
Is Safe Crest the right fit?
An HSA is one of the easiest wins I offer clients - and one of the easiest to oversell. I'd rather tell you plainly what it does and doesn't cover than let you think a spending account is the same as being insured.
Patrick Hardie, Safe Crest Insurance Inc.
