Health Spending Account (HSA)
What does Health Spending Account mean?
A Health Spending Account, or HSA, is a benefit account sometimes offered by employers that allows employees to be reimbursed for a range of eligible health and medical expenses that may not be covered under a traditional insurance plan. Families of autistic children may be able to use an HSA to help pay for assessments, therapy, or other approved health-related costs, depending on what Canada Revenue Agency considers an eligible medical expense. HSAs offer flexibility, but the list of what qualifies is determined by tax rules and your plan administrator.
Why this term matters
An HSA can give families more flexibility in how they use their health benefits, potentially helping to cover costs related to their child's assessments or therapies. It may be worth reviewing your employer benefits package and speaking with your plan administrator to understand whether an HSA is available to you and what expenses it may cover.
Canadian context
In Canada, HSAs are governed in part by Canada Revenue Agency guidelines on eligible medical expenses, and what qualifies can vary based on plan rules and CRA policies. Because rules can be complex, speaking with your plan administrator or a benefits advisor is a helpful first step.
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