If you own an incorporated business in Manitoba, a Health Spending Account (HSA) lets your corporation reimburse you for personal health and dental expenses.
Hiveworks makes the process simple, keeps you aligned with CRA requirements, and helps you maximize tax savings.
What is a Health Spending Account?
A Health Spending Account lets your corporation cover eligible medical expenses without creating taxable income.
You pay out-of-pocket, submit the receipt, and once approved, your business reimburses you.
The result? Tax-free for you, fully deductible for your company.
No monthly premiums, no one-size-fits-all insurance. Just flexibility, simplicity, and control.
Need a full breakdown? Visit our Health Spending Account page.
Why Manitoba Business Owners Choose HSAs
Even with provincial health coverage, you’re still left paying out-of-pocket for services like dental work, vision, counselling, or therapy. Those bills add up, and they come straight from your after-tax income.
With an HSA, you can run those costs through your corporation instead, reducing your tax burden and keeping more money in your pocket.
Example:
Earning $115,000 with $4,500 in medical costs? You could save over $2,700 compared to paying personally.
Try the HSA Savings Calculator to get a personalized estimate of your savings in Manitoba.
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:
- 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.
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.
Built for Manitoba’s Incorporated Professionals
Hiveworks supports incorporated businesses 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.
Am I Eligible?
Eligibility is straightforward. Take a moment to review the eligibility details.
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.
With Hiveworks, you pay one simple annual fee, with no per-claim admin charges.
That includes:
- Up to $15,000 in claims
- Unlimited submissions
- Spouse and dependants expenses
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