Pricing
Simple, Transparent Pricing
No monthly premiums. No per claim charges. Just one flat annual fee.
Every plan includes
0% admin fees
We never charge a percentage on claims
Household coverage
Spouse and dependants at no extra cost
$15,000 annual limit
Submit unlimited claims up to your limit
No category limits
No caps on vision, dental or anything else
Ontario Businesses: 8% RST and 2% Premium Tax apply on all health spending claims. Learn more
We are currently unable to support corporations registered in Quebec.
Your annual cost
$299
Health Spending Account · covers your household
Sign up 100% digitally in minutes. 30-day money-back guarantee.
See what you could save →Every plan includes
0% admin fees
We never charge a percentage on claims
Household coverage
Spouse and dependants at no extra cost
$15,000 annual limit
Submit unlimited claims up to your limit
No category limits
No caps on vision, dental or anything else
First User Included
Base fee covers first user
HSA, WSA or FlexWorks (HSA + WSA) for each employee
Ontario Businesses: 8% RST and 2% Premium Tax apply on all health spending claims. Learn more
We are currently unable to support corporations registered in Quebec.
How many people will be on your plan?
–
2
+
First user
$299
1 additional × $199
$199
Your annual cost
$299
Hiveworks Health Spending Account pricing: $299 CAD per year for the first account (incorporated individual or first employee), plus $199 CAD per year for each additional employee. Includes a $15,000 annual reimbursement limit per account, with spouse and dependants covered at no extra cost. 30-day money-back guarantee.
Sign up 100% digitally in minutes. 30-day money-back guarantee.
The Platform Behind Every Plan
Whichever plan you choose, claims run on the same digital-first platform, built for speed and accuracy.
60-Second Claims
Upload receipts via mobile or desktop. Most claims are processed in under 24 hours.
Direct Reimbursement
No waiting for cheques. Approved claims are paid through direct deposit.
Smart Validation
Let us handle eligibility checks to help your claims stay compliant.
Instant Onboarding
Complete digital onboarding including the ability to add your spouse and dependants to the plan in seconds.
Real-Time Tracking
Monitor your remaining balance, claim status, and usage history 24/7.
Simplified Reporting
Download digital invoices and financial summaries for your accountant.
Trusted By Canadian Business Owners
Here's What Our Clients Say
A fantastic alternative to traditional benefits for my small business. Extremely user friendly and easy to process claims.
Andrew M.
Easy to set up and use, very convenient to claim the medical expenses compared to other services I have used before.
Michele L.
Exactly what I was looking for as a small business owner. They have a great team of people, super responsive and helpful.
Jarrett L.
Really helpful for self employed people. The claim is easy and the process time is short.
Feng X.
Pricing Questions
Is $299 per employee, or for the whole plan?
The $299 annual fee covers your first plan member. If you have employees, each additional employee is $199 per year. Spouses and dependants are included at no extra cost.
For example, a team of 5 costs $299 + (4 × $199) = $1,095 per year.
Are there any other Hiveworks fees?
No. There are no setup fees, monthly premiums, per-claim charges, or percentage-based administration fees.
Your annual fee is your entire Hiveworks administration cost. You simply fund the eligible claims used under your plan, plus any applicable government taxes.
Do I need to pre-fund the plan?
No. You choose your annual spending limit, but you only fund claims as they are actually used.
When a claim is approved, we invoice your business and reimburse the plan member once the invoice is settled. We do not hold your benefit budget in advance.
How much can I put in the plan?
You choose the annual spending limit, up to $15,000 per plan member.
If you have employees, you can create different employee classes with different benefit amounts, giving you control over your total benefits budget.
Are HSA claims tax-free?
Eligible HSA reimbursements are generally tax-free to the plan member and deductible to the business, provided the plan and expenses meet applicable CRA requirements.
WSA reimbursements are treated differently and are taxable to the plan member.
What taxes apply in Ontario?
Ontario applies an 8% Retail Sales Tax and a 2% Insurance Premium Tax to health spending claims.
These are government taxes, not Hiveworks fees. We collect and remit them on your behalf. Businesses outside Ontario are not subject to these Ontario taxes.
What if it is not the right fit?
Every plan comes with a 30-day money-back guarantee. If Hiveworks is not the right fit for your business, you can cancel within your first 30 days provided you have not submitted any claims, further details.
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