INTERACTIVE COMPARISON TOOL

HSA vs Traditional Group Benefits Calculator

Discover how a Health Spending Account (HSA) with Wellness Spending Account (WSA) compares to traditional group insurance from Manulife and Sun Life. Get accurate cost projections tailored to your business.

Real Provider Data

Canadian Tax Benefits

ROI Analysis

Start Calculating

Your Business Details

Number of Employees *

Eligible benefit recipients

Expected Annual Claims per Employee

Typical range: $1,000 - $3,000/year

Province *

Ontario adds 8% retail sales tax to admin fees

HSA Admin Fee Structures

We'll determine which structure works best for your business. Common options include:

Per Employee: $199/employee/year
Flat Fee: $600-800/year (small teams)
Percentage: 8-12% of total claims

For comparison, this calculator uses 10% of HSA+WSA allocation.

Include Wellness Spending Account (WSA)

Covers fitness, wellness programs, and mental health. Improves ROI by reducing absenteeism and boosting morale.

WSA Allocation per Employee

Typical: $300-$700/year

Optional Add-Ons

Travel + AD&D + Basic Dental

~$20-30/employee/month

Group Life ($25,000 coverage)

Final expense support & peace of mind

Not a replacement for proper life insurance

Mental Health + Telehealth Support

$7-12/employee/month

Reduces absenteeism, improves wellbeing

Results will appear here

Enter your business details and click "Calculate & Compare"