Canada's Defined Contribution Employee Health Benefit Experts

Your premiums keep going up and your health benefits keep going down. We solve this problem for small businesses in Canada. Guaranteed. 

The Complete List of Canadian Revenue Agency Allowable Medical Expenses
RHSA: Advantages

RHSA Guarantees:

Premium Guarantee
No yearly price increases that can make your employee health plan unaffordable and unsustainable.
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Health Benefit Guarantee
Double the health benefit for your employees with the same premium your company now pays.
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No Risk Guarantee
Eliminate premium and drug risk for your small business—a clear winner with employees.
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Subsidize Your Premium Guarantee
Maximize the tax efficiency of health benefits for your small business and your employees.
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Conference Canada 2015

Benefits Attract and Retain EmployeesBenefits Attract and Retain Employees

Employees care about benefits. After base pay and organizational reputation, employees are attracted by benefits.

Benefit Costs Are Unsustainable Benefit Costs Are Unsustainable

The cost of benefits for employers is significant and ever increasing. The cost of providing benefits to employees is approximately 10% of gross annual payroll—or $8330 per full-time equivalent. Cost containment is required.

Difficult Choices Lie Ahead Difficult Choices Lie Ahead

With the ever-increasing cost of benefits, companies need to look into alternative solutions and make difficult choices about their benefits spending.

Drug Cost Risk Is The “Trojan HorseDrug Cost Risk Is The “Trojan Horse”

Many employers are concerned about the rising cost of prescription drugs. Organizations are starting to see the impact that costly biological drugs will have on prescription drug spending as the population ages.

The High Cost Drug TrapThe High Cost Drug Trap

Insurance companies price risk. Small business pays for the insurance risks. Few small business owners realize the hidden risk of promising to pay for high cost drugs for their employees now and in the future. When an employee makes a claim for a high-cost drug, it's extremely difficult for a small business to avoid paying excessively high-insured health benefit costs.

 
About The Founder

About The Founder

RHSA Canada was founded in 2009 by David Imrie, a medical doctor and former Health Insurance professional with a passion for helping small business reduce their healthcare costs.

Dr. Imrie has practiced as a medical doctor since 1968. He received his M.D. (Honors) from the University of Toronto.

Learn from our

HEALTH SPENDING ACCOUNT RESOURCES

LIST OF ALLOWABLE MEDICAL EXPENSES LIST OF ALLOWABLE MEDICAL EXPENSES

Download this list and learn about all the tax-free healthcare expenses you may be using now or need in the future.

CANADA'S BEST SMALL BUSINESS TAX TIP CANADA'S BEST SMALL BUSINESS TAX TIP

Canada Revenue Agency Rules about Private Health Spending Accounts (PHSP) are aggregated in this definitive White Paper.

UNDERSTANDING PHARMACARE IN CANADA UNDERSTANDING PHARMACARE IN CANADA

Download this guide and learn about Provincial Government Plans that cover you and your family and how to prevent costly dulplication of benefits.

HOW TO SUBSIDIZE YOUR HEALTH PLAN DOLLARS HOW TO SUBSIDIZE YOUR HEALTH PLAN DOLLARS

This in depth white paper will teach you the five ways to subside your heath benefit premium dollar.

Canada's Best Small Business Tax Tip

Everything your accountant or financial planner needs to know about RHSA.