Healthcare expenses, simplified.

Turn healthcare costs into tax-deductible business expenses with our managed Private Health Services Plan for Canadian businesses & incorporated professionals.

See how it works

How it works

Three steps to tax-free healthcare

CarbonFibre makes PHSP administration feel simple from setup to reimbursement.

Set up your plan

Create your PHSP in minutes. We handle CRA compliance, plan documents, and configuration.

Submit expenses

Upload receipts for eligible medical expenses. Our system handles adjudication automatically.

Get reimbursed

Approved claims are reimbursed directly to your bank account. Tax-free, audit-proof.

What's covered

Comprehensive CRA-eligible coverage

PHSP benefits can include a wide range of everyday and specialist medical expenses.

Medical Services

Doctor visits, specialist consultations, lab work.

Dental

Cleanings, fillings, crowns, orthodontics.

Vision

Eye exams, glasses, contacts, laser surgery.

Prescriptions

Prescription drugs and eligible medications.

Massage & Physio

Registered massage therapy and physiotherapy.

Chiropractic

Chiropractic adjustments and treatment.

Mental Health

Psychologist, counsellor, and therapist sessions.

And More

All CRA-eligible medical expenses under the Income Tax Act.

The math

Save thousands every year

Example: Incorporated professional with $6,000 in annual medical expenses.

Without PHSP

$12,911

Corporation pays as salary

Gross salary needed so the employee nets $6,000 after personal tax (53.53%)

The full $12,911 leaves your corporation

With CarbonFibre PHSP

$6,440

Corporation pays all-in

$6,000 medical expenses + $440 admin and transfer fees

100% deductible, tax-free to the employee

Annual savings

$6,472

saved per year

$32,358 over five years

Ontario, highest combined marginal rate (53.53%), $6,000/year in eligible medical expenses. Both expenses are fully deductible to the corporation.

Why us

Built for professionals, not paperwork

A PHSP should reduce stress, not add another spreadsheet to your life.

CRA-Compliant

Every plan is structured to meet CRA requirements. Audit-proof from day one.

Automated Adjudication

Claims are pre-processed with AI automation. Allows for expedited payouts.

Canadian Data Only

All data stored in secure Canadian servers. Your medical information never leaves Canada.

No Hidden Fees

You only pay when you use it — 7% + $2 per transfer. No setup fees, no monthly minimums.

Trusted by Canadian professionals

Real savings, real reimbursements — every dollar tracked and audit-ready.

$4,594,000+

in total benefits paid to clients

Ready to stop overpaying for healthcare?

Set up your plan in under 5 minutes. Start saving today.

Have a discount code? Enter it during signup.