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Health benefits, together

Health Spending Account

The most affordable Health Spending Account for Canadian small business.

Huumans has partnered with Quikcard to bring small businesses real health benefits — at 8% administration fee, the lowest published rate in Canada.

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See how it works

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

Is This Right For You?

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.

Partnership

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

Michael T, The Mountain Lodge - Brewery & Bistro

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Lowest Price in Canada

8% administration fee — the lowest published rate 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 businesses — one of the fastest-growing platforms in the country.

QuickBooks

xero

Powered by our partnership between Huumans and Quikcard.

8%

Administration fee — lowest published rate in Canada

35,000+

Canadian businesses already on Quikcard

0

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

PRICING

One simple fee — 8% administration, nothing hidden.

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

Beyond Health Spending Accounts

Set up a Health Spending Account through us and give your employees the benefits they deserve. You also get access to other financial solutions from Huumans.

Yelena Mensah, Tote and Paint

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Best for: Knowing what decision to make with lending products.

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Line of Credit

Best for: ongoing, flexible access to capital

Amount

$1K – $100K

Funded in

24–48 hours

Credit impact

We do not pull your credit score

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Working Capital Loan

Best for: a defined project or purchase

Amount

$1K – $100K

Funded in

24–48 hours

Credit impact

No credit score is pulled

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Payroll

The most affordable payroll on the market

Run payroll in seconds — taxes, deductions, and filings calculated automatically.

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⇄

Foreign Exchange

Bank-beating rates on international payments

Pay suppliers or contractors abroad through our partnership with Agility Forex.

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Insurance

Life & business insurance

Coverage built for owner-operators, not enterprises.

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How it worksPricingBeyond HSA

customersupport@huumans.com

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