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The self-employed Canadian's guide to health tax deductions

Everything you need to know about deducting health expenses through your business.

Tax Deductions

Can self-employed Canadians deduct health expenses? Yes — here's how

If you're self-employed in Canada, you can deduct 100% of your health expenses — dental, prescriptions, therapy, vision — through a PHSP. Here's how.

8 min read·Zemma Editorial Team
PHSP Guide

What is a PHSP? The tax-free health account most self-employed Canadians don't know about

A PHSP is a CRA-recognized plan that lets you deduct health expenses through your business. No premiums, no broker, no medical questions.

9 min read·Zemma Editorial Team
Contractors

How contractors can deduct dental, prescriptions, and therapy in Canada

Independent contractors in Canada pay for health expenses with after-tax dollars. A PHSP lets you deduct dental, prescriptions, therapy and more.

8 min read·Zemma Editorial Team
Freelancers

Health benefits for freelancers in Canada: your complete guide

No employer benefits? No problem. A health spending account lets Canadian freelancers deduct 100% of health expenses through their business.

8 min read·Zemma Editorial Team
Tax Deductions

How much can self-employed Canadians deduct for health expenses?

PHSP contribution limits depend on whether you're a sole proprietor or incorporated. Here's how the math works at different income levels.

7 min read·Zemma Editorial Team
Dental

Deducting dental expenses when you're self-employed in Canada

Dental is the #1 out-of-pocket health expense for self-employed Canadians. Here's how to make every filling, cleaning, and orthodontic visit tax-deductible.

7 min read·Zemma Editorial Team

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