Health Spending Accounts in Manitoba: Save Now

If you run an incorporated business in Manitoba, a Health Spending Account (HSA) gives you a smarter way to cover personal medical expenses using corporate funds.

‍

Hiveworks makes it easy to stay fully aligned with CRA rules while maximizing your tax efficiency.

‍

‍

What is a Health Spending Account?

‍

A Health Spending Account lets your corporation pay for your eligible medical costs without triggering taxable income.

‍

You pay first, submit your receipt, and once approved, your business reimburses you.

‍

The result? It’s tax-free for you and fully deductible for your company.

‍

There’s no need for monthly premiums or restrictive group insurance. HSAs offer flexibility, simplicity, and control.

‍

Need a full breakdown? Visit our What Is a Health Spending Account page.

‍

‍

Why Manitoba Business Owners Choose HSAs

‍

Even in a province with strong public health care, out-of-pocket expenses like dental, vision, mental health, or therapy add up quickly, especially when you’re paying with after-tax income.

‍

An HSA lets you move those expenses into your corporation, keeping more of what you earn.

‍

Example:
Earning $115,000 with $4,500 in medical costs? You could save over $3,100 compared to paying personally.

‍

Use our HSA Savings Calculator to estimate your savings based on Manitoba income levels.

‍

‍

What’s Covered Under an HSA?

‍

With a Health Spending Account in Manitoba, you can claim expenses from a wide range of licensed professionals. As long as the practitioner is licensed in Manitoba and the service qualifies under the CRA’s Medical Expense Tax Credit (METC), it’s eligible.

The full list of eligible practitioners in Manitoba includes:

• Audiologist
• Chiropodist
• Chiropractor
• Dental assistant
• Dental hygienist
• Dental nurse
• Dental technician or technologist
• Dentist
• Denturist, dental mechanic, denturologist
• Dietician
• Hearing aid practitioner
• Licensed or registered practical nurse
• Medical laboratory technologist
• Midwife
• Naturopath
• Occupational therapist
• Optician
• Optometrist
• Pharmacist
• Physician
• Physiotherapist or physical therapist
• Podiatrist
• Psychological associate
• Psychologist
• Registered nurse (including nurse practitioner)
• Registered nursing assistant
• Registered psychiatric nurse
• Respiratory therapist
• Social worker
• Speech-language pathologist
• Surgeon

This list makes it clear: whether it’s routine dental care, therapy, or specialized medical services, your HSA in Manitoba covers the licensed professionals you and your family already rely on.

‍
On top of that, over 100 medical expenses are also covered.

‍

Examples of eligible medical expenses include:

• Braces and Invisalign
• Eye care (exams, prescription glasses, contact lenses, laser eye surgery)
• Prescription medications
• Orthotics and orthopedic footwear
• Group benefit premiums not reimbursed elsewhere

‍

See the full list in our Eligible Expenses Guide.

‍

‍

Manitoba HSA Claim Example

‍

Let’s walk through a simple example:

• You pay $300 out of pocket for a chiropractic session
• Upload your receipt through your Hiveworks dashboard
• We review the claim for CRA eligibility
• Your corporation is invoiced $300
• You receive the full $300 back via direct deposit

‍

There are no provincial insurance taxes on HSA claims in Manitoba.

‍

‍

Built for Manitoba’s Incorporated Professionals

‍

Hiveworks supports incorporated individuals across Manitoba, from Winnipeg to Brandon to Steinbach.

‍

Our platform helps you:

• Set your annual reimbursement cap (up to $15,000)
• Add your spouse and dependants at no extra cost
• Submit multiple claims anytime
• Track reimbursements online
• Access clean reports at tax time

No paperwork. No claim-by-claim admin fees. Just one flat rate.

‍

‍

Already Have Benefits? Your HSA Still Helps

‍

Many employer or spousal plans don’t cover 100% of your costs. An HSA helps with what’s left over.

‍

You can claim:

• The uncovered portion of medical or dental expenses
• Vision costs beyond your plan’s annual max
• Services excluded by your plan (e.g. orthodontics, acupuncture, or LASIK)

‍

Learn more about Combining HSAs with Group Benefits or Spousal Plan Coordination.

‍

‍

Flat Annual Fee. No Surprises.

‍

Hiveworks charges one simple fee: $279 per year.

‍

That includes:

• Up to $15,000 in claims
• Unlimited submissions
• Spouse and dependants expenses
  ‍

No monthly fees or hidden charges.

‍

‍

Get Started Today

‍

Only expenses dated after your plan begins are eligible.

‍

Turn upcoming medical and dental bills into real savings with Hiveworks.

‍

Open an HSA in Minutes or Contact Us if you have questions.