I design and place group health & dental benefit plans for Calgary business owners and incorporated professionals — comparing quotes across Canadian carriers so you get the right coverage for your team at the right price, with no product bias.
Whether you’re a solo incorporated professional, a clinic owner with a growing team, or a business owner trying to compete for talent without blowing up your overhead, a properly structured plan does double duty: it protects your people, and it puts your corporation’s dollars to more efficient use.
Just you, or you and a spouse on payroll? A Health Spending Account often delivers the same tax-efficient reimbursement as a group plan, without paying for coverage you won’t use.
Once you’re hiring, a group plan becomes one of the most cost-effective ways to attract and retain staff — and premiums are typically a deductible business expense.
Extended health, dental, life, and disability coverage bundled and benchmarked against your industry, reviewed annually so costs don’t creep past what the plan is worth.
Every group is different. Here’s what most Calgary business owners end up structuring, and I’ll help you decide what actually makes sense for your budget and headcount.
Physiotherapy, massage, chiropractic, mental health counselling, prescription coverage, and vision care — the coverage employees actually use day to day.
Checkups and cleanings, fillings and root canals, and optional major restorative or orthodontic coverage depending on how rich you want the plan.
Optional group life insurance and short or long-term disability coverage, so your team is protected if illness or injury takes them out of work.
Set a fixed annual amount per employee that reimburses actual health and dental costs directly — no insurer underwriting, no premium paid for coverage nobody used.
This is usually the first decision to make, and it depends mostly on your headcount and how predictable you want your costs to be.
| Group Insurance Plan | Health Spending Account | |
|---|---|---|
| Best for | Teams of 3+ employees | Solo owners, 1–2 employees |
| Cost structure | Fixed monthly premium | Fixed annual reimbursement cap |
| Underwriting | Group-rated, minimal medical questions | None required |
| Unused funds | Premiums paid regardless of use | Only reimbursed when spent |
| Tax treatment | Deductible to corporation | Deductible to corporation |
We talk through your team size, budget, and what coverage actually matters to your employees.
I shop your group’s profile across the Canadian insurers that fit, and bring back real quotes, not one option.
We finalize coverage tiers and I coordinate directly with your accountant on the tax treatment and payroll setup.
Every year, I re-benchmark your plan against the market so your costs stay in line with what you’re getting.
“My name is Jiten Bagadiya, and Munish is my financial planner.” Jiten runs multiple businesses in Calgary and has worked with Munish on his corporate and personal financial strategy.
Group benefits are placed on a commission basis paid by the insurance carrier, at no extra cost to you — the premium is identical whether you buy direct or through a broker. I disclose that upfront, and my job is to find the plan that fits your team best, not the one that pays the most.
Most Canadian insurers will set up a group plan for as few as two or three lives, including the owner. For a one-person corporation, a Health Spending Account is usually a more cost-effective way to get the same tax advantages.
In most provinces, premiums paid by your corporation for employee health and dental benefits are a deductible business expense, and the benefits employees receive are generally received tax-free. We confirm the specifics with your accountant as part of setting up the plan.
A group insurance plan pools your employees with an insurer for set premiums and set coverage. A Health Spending Account lets your corporation set a fixed annual amount per employee that reimburses actual health and dental costs, with no insurer underwriting and no unused premium. Many small businesses use one or the other, and some combine both.
Yes. As an independent broker, I’m not tied to one insurance company. I shop your group’s profile across the Canadian carriers that fit your team size, industry and budget, and bring you the strongest combination of price and coverage.
Cost depends on team size, average age, province, and how rich the coverage is. Most small business plans in Alberta land in a fairly predictable monthly-per-employee range. I put together an exact quote once I know your group’s details, at no cost and with no obligation.
I’m paid a commission by the insurance carrier once your plan is placed, at no extra cost to you — the premium is the same whether you buy direct or through a broker. That compensation is disclosed upfront, and my job is to find you the best-fit plan, not the highest-paying one.
A free, no-obligation quote is the first step. Tell me your team size and I’ll bring back real numbers from multiple carriers.
