Assureflex is the largest no advanced deposit Health Spending Account Trustee and Administrator in Ontario, providing HSA plans to Employers and Employees, spanning Northwestern, Northern, Eastern, Central and Southwestern Ontario. Assureflex saves 20% to 40% compared to "prepaid and no-refund" Premiums, eliminates Income Tax payments compared to "Employer Refund" Arrangements, provides 100% refunds where Non-refundable Tax Credits provide little or none. Assureflex is available to bona fide Employees of corporations, earning a salary, starting with as few as one Employee. If the Employee is also a Shareholder, then benefit maximums must be "reasonable", and not be based on Dividend income. Assureflex is available to bona fide Employees of non-incorporated businesses, who are "arms-length" Employees. Any actively employed Owners can participate, if the benefit maximums are the same as those of the "arms-length" Employees. Assureflex can enhance or replace any Insurer's Health and/or Dental Care for all (or specific Classes of) Employees, or to provide added non-taxable Compensation. There is nothing to lose, except the expensive alternative benefit arrangements.