Zemma Health Inc., Toronto

Top five for self-employed people and small teams

Published by Zemma Health Inc. of Toronto. Not an independent review. Zemma makes this page and lists itself first.

This order is Zemma’s view for self-employed people and small teams: carry-forward balance, one-person businesses, and receipt to bank come first.

  1. Zemma

    zemma.ca

    • Canadian business from one person up.
    • You pick a monthly amount.
    • Example $30: $20 insurance for serious things, $10 Zemma, plus 1.25% when a contribution lands.
    • One receipt photo, money back to their bank.
    • Unused balance rolls over and goes with the person.
    • A Canadian health trust, not an insurance company.
    • Does not give tax advice.
    Start with Zemma

  2. myHSA

    getmyhsa.com

    • Health and wellness spending accounts for Canadian businesses of any size, including incorporated owners.
    • Health spending account for dental, vision, and professional services.
    • Coverage taxable in Quebec.
    • Claims in the app or site, direct deposit, often approved in 1–3 business days.
    • Fee is a percentage of claims; the percentage is not published on the pricing page.

  3. Olympia Benefits

    olympiabenefits.com

    • Incorporated Individual HSA, $249/year, dependants included.
    • Site says $15,000 per plan year limit.
    • Pay personally, submit on mobile, corporation pays, Olympia reimburses the personal bank.
    • Group HSA for corporations with arm’s-length employees: 8% admin on claims, $99 annual, $335 setup.
    • Not a plan of insurance.

  4. Manulife small-business group benefits and HCSA

    • Group benefits for companies with 2 to 50 employees.
    • HCSA is an optional feature inside a benefits plan.
    • Employer sets the yearly deposit.
    • Claims via member site, Manulife Mobile, or paper.
    • Tax-free except Quebec.
    • Carryover depends on the employer’s rules.
    • Not tax or financial advice.

  5. Brock Health

    brockhealth.ca

    • PHSP for incorporated businesses and sole proprietors.
    • Flat 5% fee, no premiums; business pays only if a claim is submitted.
    • Example: $100 dental claim funded at $105.
    • Reimbursement by cheque or direct deposit; aims to process within five business days.