sila

Available now · for incorporated businesses

Real health benefits for your team — funded by your own business.

Set an allowance, and your team gets paid back for dental, vision, and care — using pre-tax dollars. It's a clean health account we run for you, not an insurance product, and there's no pool your money disappears into.

For: Incorporated businesses and professional corporations of any size.

How it works

1
You set an allowance

Choose an annual amount per team member, paid from your business's own funds. Nothing is pooled and nothing is bought from an insurer.

2
Your team submits receipts

They snap a receipt for eligible health and dental costs and get paid back from their allowance — pre-tax, and fast.

3
We run it, honestly

We handle the admin and keep it inside CRA rules. We never overstate what it is.

What’s eligible

DentalVisionParamedical (physio, massage, mental wellness)PharmacyOther eligible medical

Honest about what this is — and isn’t

  • This is a health account funded with your own money — not insurance, and no pool your money disappears into.
  • We label it for exactly what it is — see our integrity levels for how we grade every offering.
  • Tax treatment depends on proper administration under CRA rules.

See our integrity levels for exactly how we grade and review every offering.

Tax treatment

Non-taxable to your team

Reimbursements for eligible health and dental expenses are received tax-free by your team, and the amounts are a deductible business expense for you — when the account is administered under CRA rules. This isn't tax advice; we'll point you to the rules that apply to your situation.

Questions

Is this insurance?

No. It's a health account funded by your own business money — no insurer, and nothing pooled.

What does it cost?

You choose the allowance; we charge a flat, transparent admin fee. No hidden margins, no commissions.

Who's eligible?

Incorporated businesses and professional corporations. Sole proprietors should talk to us about options.

Ready to set this up for your team?

Health Spending Account — Sila