×

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.

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

Ready to send
Payroll run · Aug 2026
4 employees · Bi-weekly
CA$8,412
Total run cost
JT
Jordan T.
Shop Manager
CA$2,180net pay
AM
Aisha M.
Line Cook
CA$1,540net pay
DR
Devon R.
Barista
CA$1,205net pay
SK
Sam K.
Part-time
CA$890net pay

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.

Partnership

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

Michael T, The Mountain Lodge - Brewery & Bistro

%

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 an HSA with us, and you're already a Huumans client.

Every business on Huumans gets fast-tracked access to the financing and services we've built for thousands of small businesses across Canada — starting with lending. Our recommendation engine helps you determine what type of loan you need and what you may be eligible for.

Yelena Mensah, Tote and Paint

The Huumans Lending Engine Recommends a Solution

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

Sign up at www.huumans.com for FREE to Get a Recommendation

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

Get Funded Today

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

Get Funded Today

Payroll

The most affordable payroll on the market

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

Sign up now

Foreign Exchange

Bank-beating rates on international payments

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

Sign up now

Insurance

Life & business insurance

Coverage built for owner-operators, not enterprises.

Sign up now