Please note that we are currently processing claims received within 48 hours.



FlexSave™ is a Private Health Services Plan (PHSP) that facilitates self-employed individuals with employees 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.

What our advisors are saying about FlexSave™

"The HUB FlexSave™ solution has been a business game changer in the past 5 years for me – it has allowed me to standout in a crowded advisor marketplace and open new doors of opportunities.  Clients absolutely love the simplicity, claims flexibility, and tax efficiency of the product.  As a result of this, I have been able to secure individual sales and client referrals that are in addition to my ongoing FlexSave™ claims commissions.  I am grateful to HUB for creating a wonderful business solution and providing first class support behind it.  I would be just an ordinary advisor without the HUB FlexSave™ in my toolbox."

~ Cameron Resch, CFP, CIM, FMA, FCSI, Calgary, AB