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Health Benefit Plan

Turn healthcare expenses into tax-deductible business expenses

Health Plan Features


Tax-Free Benefits

Healthcare reimbursed, tax-free

No Usage Fees

Unlike other plans, just a single setup fee

Reduce Costs

By paying with pre-tax funds, save up to 53%

CRA compliant

Plan designed for Canadian tax code

Set-up Tax Free Health Plan Today

How Does It Work?

The CarbonFibre health benefits plan is a plan used by incorporated professionals and business owners to provide drug, vision, medical, dental & orthodontics coverage for themselves, their families, and their employees.

The plan is self administered  and provides the option to customize the program to the needs of their  business.


Our plan has significant advantages over traditional group insurance that generally have high premiums and significant restrictions.

 The CarbonFibre plan is adherent with the CRA requirements of a Private Health Services Plan (PHSP) and covers anything that CRA allows as personal health deductions.




What’s Covered?

Medical & Drug Coverage

Coverage for an extensive list of healthcare services not covered by provincial medical plans, as well as all prescription medications with no deductibles. Even covers health plan premiums!

Dental & Orthodontics

Include dental exams, cleanings, fillings, extractions, crowns, bridges, root canals, periodontal care, orthodontics (braces, aligners), implants, dentures, oral surgery, TMJ treatment, and sedation. No deductibles.

And Much More

Includes vision care, massage, chiropractor, physiotherapy and naturopath, as well as everything approved by CRA as eligible medical expenses.

Supporting & Empowering Canadian Businesses

Running a business is hard. Taking advantage of a tax-advantaged health benefits plan is one step you can take to improve your financial picture while looking after your family & employees.

Get  Started Today

Up & Running in Minutes 

Frequently Asked Questions

The CarbonFibre Health Benefit Plan is simple to implement but you may have questions.

How do you avoid charging ongoing monthly or per-use fees?

We provide you all the setup documentation and instructions required to self-administer the program. Once we’ve setup the plan for you, we have no further expenses and pass on the savings to you. Other plans continue to extract fees for years to come. 

Is this program CRA compliant?

Yes, it is carefully constructed as a Private Health Services Plan (PHSP) based on Section 248(1) of the Income Tax Act and Interpretation Bulletin IT-339R2. 

Why haven't I heard about this tax-efficient strategy before?

This program is well known to savvy accountants but not widely advertised. At CarbonFibre, we are laser focussed on financial products that provide real value to Canadian businesses. 

How can healthcare expenses be paid out tax-free?

CRA allows businesses to utilize private health services plan.


“Our kids had thousands in orthodontic expenses. I was able to cover the costs with pre-tax dollars. Huge savings!”


“So simple to set up. Was up and running the day I received the CarbonFibre health plan.”


“What a great way to provide an added incentive to my employees. A key employee is thrilled that her dental & massage costs are covered with no deductible or co-pay.”


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