# Aya Care > Canada's health spending account platform for employers and insurance advisors ## At a glance | Field | Value | | --- | --- | | Category | Specialty Solutions | | Type | Solutions Provider | | Region | NA | | Headquarters | Toronto, Ontario, Canada | | Founded | 2018 | | Stage | Startup | | Employees | 11-50 | | Funding | Bootstrapped | ## Overview Aya Care is a group benefits administration platform serving Canadian employers, employees, and insurance brokers with Health Spending Accounts (HSA) and Wellness Spending Accounts (WSA). The platform operates within Canada's tax-advantaged benefits framework, providing cost-certain, flexible benefit allocations as an alternative or supplement to traditional group insurance. The platform delivers benefits administration via a mobile app (iOS and Android), web portal, and prepaid Aya Visa card. Employers fund accounts, employees spend them through the app or card, and the system automates claims processing, reimbursements, invoicing, and renewals. Advisors and brokers have access to a white-label portal for client onboarding, management, and reporting. Founded in 2018 and operating for 6+ years, Aya Care serves over 180 Canadian companies across a range of sizes, from self-employed professionals to mid-market organizations. The platform reports 100% year-over-year customer growth and is rated 4.6 stars in the Canadian app store. ## Products & services ### Health Spending Account \(HSA\) Tax-free employer-funded benefit for corporations and their employees. Covers eligible medical, dental, and vision expenses aligned with CRA guidelines, functioning as a defined-contribution alternative to traditional group health insurance. **Key features:** - Prepaid Aya Visa card for point\-of\-sale payments - Digital wallet for instant claim reimbursements - 24\-hour paperless onboarding - 24/7 self\-serve portal access *Target users:* Canadian corporations and their employees ### Wellness Spending Account \(WSA\) Taxable employer-funded benefit for wellness and lifestyle expenses beyond medical coverage. Eligible expenses include gym memberships, fitness wearables, and travel. **Key features:** - Flexible spending on wellness and lifestyle categories - Combined with HSA in combo or FLEX plans - Real\-time digital reporting for employers *Target users:* Employers supplementing traditional benefits packages ### HSA/WSA Combo All-in-one plan where employers allocate separate HSA and WSA budgets for employees to draw from based on their individual needs. **Key features:** - Dual\-bucket funding structure - Single app experience for both account types - Employer\-set allocation per bucket *Target users:* Employers seeking combined health and wellness benefits ### FLEX Plan Flexible allocation variant where the employer sets a total lump-sum budget and the employee chooses how to split it between HSA and WSA buckets. **Key features:** - Employee\-controlled allocation between HSA and WSA - Maximizes individual flexibility within employer\-defined budget *Target users:* Employers prioritizing employee benefits choice ### Advisor Platform White-label portal for insurance brokers and advisors to manage client HSA/WSA plans from a single centralized interface. **Key features:** - Onboarding and client management workflow - Reporting and plan administration - Integration with Aya Care's benefits infrastructure *Target users:* Insurance advisors and brokers ## Category & focus - Subcategories: Group Benefits Administration, Health Spending Accounts, Employee Benefits Platform - Insurance verticals: Health, Group Benefits - Target customers: Employers, Consumers, Brokers ## Notable customers - Self\-employed professionals \(sole proprietors and incorporated individuals\) - Small to mid\-market Canadian employers ## Links - Website: - Directory profile: - Blog: - Careers: - Advisors: - Linkedin: - App portal: - Press/news: --- *Last updated: 2026\-05\-11*