Flexsave™ is a Health and Welfare Trust (HWT) plan that facilitates self-employed individuals and incorporated companies through paying their health and dental expenses in a tax-effective and cost-efficient manner.

Flexsave™ works very differently than traditional group or individual health and dental insurance programs
in that there are no ongoing premium payments required following a one time set-up fee of $250.

A company enters into a contract with HUB Financial Inc. for the indemnification of an employee’s health/dental benefits, whereby the company agrees to provide funding for these expense amounts and the applicable fees and taxes up to a limit the company sets in advance. The total amount paid by the company is 100% tax-deductible to the business and the employee receives a tax free benefit.