Or prescription meds etc; but there is some help: Once your startup is incorporated, you can get a PHSP-HSA (in Canada, different than the HSA idea in the US)

Or prescription meds etc; but there is some help: Once your startup is incorporated, you can get a PHSP-HSA (in Canada, different than the HSA idea in the US). You can then pay these expenses using pre-tax funds (your corp reimburses it to you as a benefit, via the HSA provider which checks it for CRA compliance). You can also get one of the personal Blue Cross-type plans -- at around $100/month this will give you some insured coverage for some dental etc. You can then claim back BOTH the premiums you pay to Blue Cross, as well as most of the expenses that they either don't cover or won't pay fully, from the HSA. http://pretaxhealth.com http://pretaxhealth.com is a pretty good Canadian PHSP-HSA.