Overpaying for healthcare costs isn’t healthy.


So save up to 30% with eFlex by eclipse EIO.

Start Saving Today

It comes down to avoiding taxes (legally, of course).


When you pay out of pocket for your healthcare costs, you draw from funds that you’ve already paid tax on.

That’s like adding a premium—of up to 46%—on everything you pay for.

If your business pays for things, you draw from funds that haven’t yet been taxed, so you get the full value from every dollar you earn.


Let’s look at an example:

Say you want a massage that costs $100 and your income tax is set at 30%

When paying out of pocket:


You’ll pay:

$100

From a personal account.

But those are after-tax dollars; to end up with that $100, you would have have already paid $42 in income tax, meaning your massage technically cost:

$142

When you use a flex account:


Your business will pay:

$100

From a corporate account.

And since your business is paying—not you personally—that $100 hasn’t yet been taxed, meaning the true cost of the massage really is just:

$100

So, by paying with pre-tax dollars through an authorized account, you effectively save:

$42

On one transaction!

Using after-tax dollars:


If you spend:

$2,000

On healthcare annually

Your true cost is:

$3,333

(Including income taxes).

Meaning you’re wasting:

$1,333

Annually.

Using pre-tax dollars:


If you spend:

$2,000

On healthcare annually

Your true cost is:

$2,000

(Including income taxes).

Meaning you’re wasting:

$0

Annually.

Here’s the thing: the government won’t let you expense your healthcare on your own.


That’s why we created eFlex: your personal Health Flex Account.

What is eFlex?


eFlex is eclipse’s take on the Health Spending Account. It’s a CRA-recognized account that’s tax-deductible and gives individuals the freedom to expense whatever they want without any plan restrictions.

How does eFlex work?


Your business deposits funds into your personal account where we’ll charge our small admin fee.

You take care of your health—whether that means going to the dentist or to yoga classes.

Submit claims online quickly and easily on our online portal.

We reimburse you using funds from your account.

You keep every penny you don’t spend each year.

Your business deposits funds into your personal account where we’ll charge our small admin fee.

You take care of your health—whether that means going to the dentist or to yoga classes.

Submit claims online quickly and easily on our online portal.

We reimburse you using funds from your account.

You keep every penny you don’t spend each year.

What's eFlex to us?


Like everything we do, eFlex is all about optimizing your investments. If you’re self-employed, eFlex simply reduces the money you spend on taxes so you can spend more on your health. And if you’re running a small business and you switch your group plan to eclipse EIO, you can distribute your savings to employee eFlex accounts—giving them more flexibility and extra value at no added cost to you.

Looking for extra peace of mind?

We’ve got you covered with our optional Just in Case add-on.


Sometimes, things happen. People get sick or injured, and while Canadians have access to some free healthcare, there are a lot of holes in that coverage that can leave you with a big bill. That’s why we provide optional health and prescription drug insurance to protect against big expenses.

Ready to start saving money?

Register now!


Below you can register for a new eFlex account, sign up new employees, and submit claims.

Let's talk!


Drop us a line and we’ll be in touch to discuss how you’ll save with an eFlex account!