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Kibono Blog

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I Can’t Afford Employee Benefits” Is Far Too Common Kibono Health Spending Account • April 10, 2026

“I Can’t Afford Employee Benefits” Is Far Too Common   If you’re a business owner saying “I can’t afford employee ...

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Ontario HSA Tax Explained: Why Health Spending Accounts Still Have RST Kibono Health Spending Account • March 16, 2026

Why Do Health Spending Accounts Still Have Tax in Ontario?   Understanding RST, Premium Tax, and PHSP Rules for Employers ...

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Ontario Ministry of Finance Incompetence Cripples Us Kibono Health Spending Account • October 31, 2025

A Growing Problem of Bureaucratic Indifference   I’ve dealt with the Ontario Ministry of Finance for years, and the experience ...

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Excluding Dental from HSAs to Access Canadian Dental Care Plan Kibono Health Spending Account • September 18, 2025

The Canadian Dental Care Plan (CDCP) is designed to help households without workplace dental coverage. Excluding dental from Health Spending ...

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🇨🇦 Support Canadian with your employee health benefits plan Kibono Health Spending Account • July 8, 2025

🇨🇦 Supporting Canada extends to employee health benefit plans With rising tensions in Canada–U.S. trade, patriotic support for local businesses ...

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🚨 HSAs for Self-Employed Shareholders: Be Smart, Be Reasonable, or Risk CRA Trouble Kibono Health Spending Account • June 18, 2025

If you’re a self-employed shareholder, setting up a Health Spending Account (HSA) can seem like a savvy tax-saving move. But ...

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The Hidden Costs of Your Group Benefits Plan (And What To Do About It) Kibono Health Spending Account • May 10, 2025

When evaluating your group benefits plan, you probably focus on coverage details, premium costs, and whether your team is satisfied. ...

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Health ‘Wellness’ Plans are yet another industry scam Kibono Health Spending Account • May 4, 2025

Buying a Health Wellness Plan might feel like the right thing to do for your employees; but it's not.   ...

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The Hidden Truth About Your Group Insurance Plan: What You’re Not Being Told Kibono Health Spending Account • April 22, 2025

"Most group insurance plans are not protecting your business —they’re quietly profiting from your blind trust" When it comes to ...

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​Health Benefit Plans: The Takeover Kibono Health Spending Account • April 14, 2025

What Actually Happens When You Transfer Your Health Benefit Plan To Kibono The truth is, most business owners are unknowingly ...

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