Non-Incorporated Sole Proprietor / Individual Employee
It used to be that Health, Dental & Disability Insurance for a “group of one”, or individuals and their families, was prohibitively expensive. But now enVia offers a suite of products specifically designed for you, offering comprehensive coverage at reasonable cost!
If you’re incorporated, the best option by far for Health & Dental coverage is a Health Spending Account like the enVia eHSA Plan - a tax-deductible, “private health services plan” that allows you to write off your medical expenses while claiming a much broader range of eligible treatments & services.
Small Employers (under 6 employees) are often wisest to cover their staff under “Individual” Plans or provide Health Spending Accounts. These approaches can also be a good choice for medium-sized employers, who have the additional option of a “Traditional” Group Benefits Plan because of their larger group size.
Large Employers typically provide their staff with traditional “fully insured” benefits coverage or a combination of fully insured and “flex” benefits. The latest plan designs incorporate Health Spending Accounts, backed up with Catastrophic Insurance.
People working on assignment out of their home country have special needs and can face unique risks, none of which are adequately covered by a Provincial Medicare plan or the company’s existing domestic benefit plan. We have a wealth of experience in developing and implementing Expatriate Benefits Programs for international assignees whether it’s just one person or thousands!
