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Health Spending Accounts

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Tax effective coverage that provides flexibility for your health expenses

If you have an incorporated company, you can pay for every penny of your family’s health and dental expenses with corporate funds instead of your hard earned personal after tax dollars. The self-insured route is fully tax deductible to the business and can be implemented instead of an insured group plan. The hybrid model that contains a mix of both the group benefits and the trust account is easily the greatest bang for your buck. With Provincial Medical plans continually decreasing their liability and passing more costs on to the individual, it is more important than ever to create a plan to make your costs tax-deductible.

 

The next generation of employees crave flexibility – here it is!

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HSA Benefits

Business Owners

Stop using your hard earned after tax personal dollars on your family’s health

Self-Insured

Use your money and invest in your plan rather than paying premiums

Employees

Add to your staff’s compensation with tax-deductible raises and tax-free benefits

Flexible Plan Design

Carve out benefits such as dental and vision and cap your risk

Slide What our customers are saying “Chris! Thank you so much for your speedy response and for fully taking care of this for us. I feel very confident in your services and I am very impressed with the outstanding customer service we have received from you! You're the best! Thank you so much for having our best interest at heart!” Leigh-Anne Chapman, Owner/Director of Ladybug Landing Child Care Centre Slide What our customers are saying “We have worked with Chris and the team at Salmon Arm Financial for all of our business and personal benefit and life insurance needs. He is always eager to find us the best options and answer any questions we have. We highly recommend!” Carene Wooster, Owner of Service First Tradeworks Slide What our customers are saying “Salmon Arm Financial have been our benefits provider for several years now and we have nothing but good things to say about the firm.  They were very informative and hands-on while we were setting up our programs, and whenever we have questions or concerns, or need help with anything, their response is prompt, courteous and professional.” Evelyn Kociuba, Accounting Manager of Little River Boatworld Slide What our customers are saying “Chris and Kevin are always great to deal with. They answer calls and emails very punctual and their advice for all our insurance and benefit plans is always in depth and professional. They always find the right plan at the best possible price. We would highly recommend them!” Denny Loughran, Owner of Moose Mulligan’s Public Eatery Slide What our customers are saying "Chris has been a great source of information in guiding us through our efforts to provide a customized Extended Health Benefits Plan for our staff at MacKenzie Dental Centre.  We are grateful for his patience and expertise through this process.” Dr. Philomena Gale, Owner of MacKenzie Dental Centre Slide What our customers are saying “The whole Salmon Arm Financial team (specifically Kevin and Chris) have been wonderful to work with. They helped us find a new option for our employee benefits that fit for our team. With our employees being younger, working out of town and using their phones for just about everything. It was very important for us to find a plan that had a great app and was very user friendly. They have supported us though the set up and continue to support us in the day to day functions when needed. Kaltech Mining Services highly recommends Salmon Arm Financial for your benefits and insurance needs!” Crystal Henderson, Administration Manager of Kaltech Mining Services Slide What our customers are saying “Salmon Arm Financial provides valuable knowledge for business and personal insurance, as well as employee health benefit plans for our small to medium business. Their impartial advice helped us make informed decisions for the wealth management of our generational personal and business insurance needs. I would highly recommend their efficient services to business colleagues, friends and family.” Local Business Owner with stores all across the Okanagan Slide What our customers are saying “Salmon Arm Financial has been an absolute pleasure to deal with over the past four years. They are professional, punctual and always quick to respond to any question or concern that presents itself. I would highly recommend working with them and look forward to our ongoing relationship in the future!” Brett Barnard, Owner of Mt. Ida Nursery Slide What our customers are saying "There is confidence that comes with working alongside SAF.  Quality of service is exceptional." Doug Wall, Manager of Hindbo Construction
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Have any questions? We're more than happy to help!

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