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Health benefits, together

Huumans offers one of the most affordable Health Spending Accounts in Canada for small businesses.

Huumans has a partnership with Quikcard to bring small businesses real health benefits at a low administration fee, one of the lowest published rates in Canada.

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See how it works

Built for Canadian small businesses — no group plan overhead, no waiting rooms, no paperwork.

Why — and when — a small business actually needs a Health Spending Account

An HSA isn't for every business at every stage. It tends to make sense when one or more of these are true.

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You're hiring your first employee(s)

You want to offer something beyond salary, but a traditional group insurance plan is out of reach at your size.

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Your team is already paying out of pocket

Dental, vision, prescriptions, mental health — if people are covering these themselves, an HSA turns it into a tax-advantaged business expense.

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Your revenue moves with the season

Group insurance locks you into fixed monthly premiums. An HSA lets you set — and adjust — the allowance based on what the business can afford.

Working with Huumans and Quikcard makes health benefits simple, affordable, and actually usable.

Chris Biddeson, Quikcard

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One of the Lowest Prices in Canada

One of the lowest administration fees in Canada. More of every dollar goes to your team's health, not overhead.

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Built for Mobile

Check balances, submit claims, and get reimbursed right from the Quikcard app — no paperwork, no mailing in receipts.

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No Submission, No Waiting

Quikcard is integrated directly with providers — swipe your card at the dentist, pharmacy, or physio and the claim is handled automatically.

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Backed by Scale

Quikcard already powers health spending accounts for 35,000+ Canadian cardholders — one of the fastest-growing platforms in the country.

QuickBooks

xero

Powered by our partnership between Huumans and Quikcard.

The most affordable HSA product in Canada

Get a health spending account through us and you will get access to one of the lowest published adminstration rates in Canada

35,000+

Canadian cardholders already on Quikcard

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Claim forms to fill out at point of care

"Small business owners look after everyone but themselves. We wanted a health spending account that's actually affordable and actually easy to use — not another expense line that eats into the business."

Bill Murphy, CEO of Huumans

One simple administration fee, nothing hidden and no strings attached.

You set the health spending allowance for your team. We handle the rest — the lowest published administration fee in Canada, with no setup cost and no long-term contract.

See what an HSA would cost for your team.

Tell us your team size and the allowance you have in mind — we'll show you the numbers before you commit to anything.

Get a quote

Set up a Health Spending Account through us and give your employees the benefits they deserve.

You also get access to financing and other solutions from Huumans.

Renata Reis, Reiscape Design Studio

Line of Credit

Best for: ongoing, flexible access to capital

Amount

$1K – $100K

Funded in

24–48 hours

Credit impact

No credit score is pulled

Explore HuumansOS to get funded

Working Capital Loan

Best for: a defined project or purchase