Choose the account
Offer health spending, wellness spending, or both. Define eligible expenses and allocations within the plan’s requirements.
FOR EMPLOYERS
Give your team more choice.
Keep control of your budget.
Dental bills. Prescription glasses. Eligible care your current plan doesn’t fully cover. An Aya Health Spending Account gives employees an employer-funded allowance they can use where they need it. You set the benefit limits and plan rules.
Set up your company’s plan directly with Aya.
SEE THE ADMINISTRATION
Your team and plan.
In one portal.
See how employee records, plan information, invoices and reporting fit into day-to-day administration.
Open the Prepay administrator guide
FLEXIBILITY WITH A FRAMEWORK
Build the benefit around your business.
Choose the funding
Fund a Prepay card before employees spend, or use PostPay reimbursement after employer funding.
Choose the structure
Set employee classes, eligibility and allowances. Confirm carryover and plan-year rules before enrolment.
THE PLAN ADMINISTRATOR’S VIEW
Less searching.
More visibility.
Access the information you need to administer your company’s plan through Aya’s portal.
- Add employees and check enrolment status
- View allocations, balances and plan information
- Access invoices and downloadable reports
- Choose reporting date ranges
Useful reports, in one place.
Balance overview
Employee census
Claim summaries and breakdowns
Taxable benefit reporting
Available information depends on your role and plan.
GET READY TO ENROL
Four things to decide together.
Your people
Who will be eligible and how employee classes will work.
Your budget
The allowance per employee and fees separate from benefits.
Your plan
Account types, eligible expenses, start date and carryover rules.
Your funding
Prepay loads or the PostPay funding process, including any float.
A CLIENT’S WORDS
“I can’t think of anyone better to take care of our insurance”
Choose a plan with the details in view.
Compare the fees, see the portal and confirm the support and setup your company needs.
Watch the walkthroughsFREQUENTLY ASKED QUESTIONS
Aya benefits for your business.
Product Offering
What is Aya’s coverage offering?
Aya provides Health Spending Accounts (HSA), Wellness Spending Accounts (WSA), and a flexible HSA+WSA solution for businesses of all sizes. With our Flex option, employees can allocate funds to either account within set limits.
Can we include fitness expenses in a WSA?
Yes! Aya’s eligible wellness expenses include fitness memberships, fitness classes, exercise equipment, athletic clothing and footwear. You choose the wellness categories included in your plan.
See Aya’s wellness expense categories and examples.
Eligibility and Existing Benefits
How do I know if my team is eligible for Aya benefits?
Aya is available to all registered businesses in Canada—small, medium, large, or enterprise—with one or more employees, with no size restrictions. Self-employed individuals qualify if they receive T4 income from their incorporated business.
For HSAs, employers set up and fund the accounts, defining eligibility based on job level or status for their employees.
What if we already have a provider?
No problem! Eligible expenses go to the primary group benefits plan first, then to a partner’s plan if applicable. Any unpaid portions can then be submitted to Aya’s HSA/WSA for comprehensive coverage.
I love what Aya is doing, can I transition my existing plan?
You sure can! Let’s chat about what you’re looking to accomplish.
Is HSA spending tax-free?
Yes. Benefits under a qualifying HSA are tax-free for employees at the federal level. Québec treats employer-paid HSA coverage as a provincial taxable benefit.
Does an HSA affect Canadian Dental Care Plan eligibility?
Yes. Access to an HSA that covers dental expenses counts as access to dental coverage for the Canadian Dental Care Plan, even if you do not use it. Health Canada explains the eligibility rules and the limited pension-plan exception.
Onboarding and Setup
How long does client onboarding take?
Once we receive the completed application, onboarding is completed within 24 hours.
What happens after we onboard?
Once enrolled, the business owner and plan admins receive automated welcome emails with everything they need to get started, including team enrolment guides. Your employees receive invite and welcome emails with everything they need to know.
Does my company need an HR department to manage Aya?
No HR needed! Aya is designed to be simple and user-friendly for any business size. We also have a fantastic support team for any questions.
Maintenance and Renewals
What happens during renewal season?
Renewal reminders are automated, with notifications sent at 90, 60, and 30 days before renewal. This gives you time to consider plan updates, like adding HSA/WSA or adjusting class structures.
If no changes are required, no action is needed—your plan will auto-renew!
Will the Aya plan cost increase year over year?
No, costs only change if the employer updates benefit limits. Any unused funds are returned to you!
What happens to unused funds?
Aya offers use-it-or-lose-it and carryover options. With a use-it-or-lose-it plan, unused contributions and associated taxes are returned to the employer after the claim-submission grace period. Administration fees are non-refundable.
FROM DECISION TO ENROLMENT
Choose the next step that fits.
Use the guides to prepare. Confirm your plan and written quote before submitting an application.
Get your plan and pricing
Confirm your account and funding choices, written quote and setup steps. Start in writing or choose a call below.
Get direct pricing