Top-down view of a person working at a wooden desk with a laptop, notebook, pen, tablet, and glass of water, in a room with a black and white striped rug.

A woman with dark hair in braids, wearing a blue and white striped shirt, sitting at a wooden desk with a computer monitor, keyboard, and mouse, smiling. In the background there is a white brick wall and a green filing cabinet with a potted plant on top.

FOR INCORPORATED INDIVIDUALS

Tax-Smart Benefits for Every Corporation.

Whether you run your own professional corporation or operate your own incorporated business, you can unlock tax-efficient benefits that make your dollars go further.

With NHC, your corporation can pay for health and lifestyle expenses — turning personal costs into business deductions, all within CRA guidelines.

Get Started

The Only
CRA-Approved
Way to Do It

How it works

NHC is structured as a CRA-approved Private Health Services Plan (PHSP) — which means it’s the only compliant way for incorporated individuals to turn personal medical expenses into legitimate, tax-free business benefits.

For Health Spending Accounts (HSA):

Your corporation deducts the cost as a business expense
You get reimbursed tax-free as an employee benefit
100% CRA-compliant under PHSP rules

For Lifestyle Spending Accounts (LSA):

Your corporation deducts the cost as a business expense
The reimbursement is added as a taxable benefit on your T4
Fully compliant because it’s reported properly as an employee perk

The result

Whether you run a professional corporation or a regular incorporated business, NHC ensures your benefits are structured the right way — with clean reporting, CRA compliance, and maximum tax efficiency.

From expense to reimbursement: Step by Step

Pay For the Expense Out of Pocket

You (or a family member covered under your plan) pay for a medical or lifestyle expense out of pocket personally.

💡 Example: a dental bill, new glasses, therapy session, or gym membership..
Submit Expense Through NHC

Upload the receipt in our secure mobile app or online portal.
We check eligibility against CRA rules (for HSAs) or your plan guidelines (for LSAs).
You can track all submissions in one place.
Get Reimbursed by Your Corporation

Once approved, your corporation reimburses you.
The payment comes from your business account.
This makes it an official employee benefit, not a personal expense.
Year-End Reporting Made Simple

We provide clear, tax-compliant reporting at year-end.
HSA reimbursements: 100% deductible for the corporation, tax-free for you.
LSA reimbursements: Deductible for the corporation, taxable benefit for you.