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The secret to affordable health insurance for contractors in Canada

Posted by K. F. on February 23, 2016

Finding affordable health insurance for for contractors can be a challenge. Your research and experience probably points to expensive monthly premiums, costly co-insurance payments, and a restricted claim list. You might feel as though health and dental benefit plans are not feasible if you are a contractor in Canada.

Don’t worry – there is light at the end of the tunnel.

It’s not easy being a contractor in Canada. Competition is fierce, your clients are demanding, and there are rarely enough hours in a day to finish your to-do list. Now you’re facing another challenge – finding affordable health insurance.

The secret to affordable health insurance for contractors is a Health Spending Account.

3 key factors make a Health Spending Account the ultimate match for a contractor in Canada.


A Health Spending Account typically has no premiums.

  1. Cost control is in your hands as opposed to the insurance company
  2. Reduce your taxes by writing off 100% of your medical costs through a Health Spending Account
  3. No deductibles, co-payments, or additional fees to join

Full Coverage

A Health Spending Account offers 100% coverage.

  1. Wide and deep range of eligible medical expenses
  2. A traditional insured plan limits access to benefits
  3. Inclusive definition of a dependant

Easy to use

Health Spending Accounts are designed for a contractor.

  1. The claim process is online and instant
  2. No complicated exclusions and conditions on your claims
  3. No medical underwriting

Health Spending Accounts have been widely adopted by Canada’s contractor community as a viable alternative to traditional insurance. Get our free Beginner's Guide on Health Spending Accounts and discover how it will fit with your consulting business.

Beginner's Guide to Health Spending Accounts