{"id":14276,"date":"2025-07-11T16:34:07","date_gmt":"2025-07-11T21:34:07","guid":{"rendered":"https:\/\/twinn.ca\/?p=14276"},"modified":"2025-10-13T18:56:31","modified_gmt":"2025-10-13T23:56:31","slug":"compte-depenses-frais-sante","status":"publish","type":"post","link":"https:\/\/twinn.ca\/fr\/compte-depenses-frais-sante\/","title":{"rendered":"Compte de d\u00e9penses de frais de sant\u00e9 : Guide employeurs 2025"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Imaginez ceci : Votre \u00e9quipe comprend un coureur de marathon qui a besoin de physioth\u00e9rapie, un parent qui g\u00e8re les broches de son ado, et une personne qui soulage ses migraines chroniques gr\u00e2ce \u00e0 l\u2019acupuncture. Un r\u00e9gime collectif traditionnel pourrait ne couvrir qu\u2019une partie de ces soins\u2014voire rien du tout. Un compte de d\u00e9penses de frais de sant\u00e9 (ou compte cr\u00e9dit sant\u00e9) permet \u00e0 chacun d\u2019eux d\u2019obtenir ce dont il a besoin, sans faire exploser votre budget avantages sociaux.<br>Dans cet article, on vous explique ce qu\u2019est un compte de d\u00e9penses de frais de sant\u00e9, comment \u00e7a fonctionne au Canada, ce que \u00e7a couvre, et pourquoi c\u2019est un excellent ajout \u00e0 votre strat\u00e9gie d\u2019avantages sociaux.<\/p>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id14276_57e557-ee{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id14276_57e557-ee > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14276_57e557-ee > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14276_57e557-ee > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px 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2rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id14276_57e557-ee{border-top:4px double var(--global-palette1, #3182CE);border-right:4px double var(--global-palette1, #3182CE);border-bottom:4px double var(--global-palette1, #3182CE);border-left:4px double var(--global-palette1, #3182CE);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14276_57e557-ee alignnone kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column14276_4aa869-ef > .kt-inside-inner-col,.kadence-column14276_4aa869-ef > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14276_4aa869-ef > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14276_4aa869-ef > .kt-inside-inner-col{flex-direction:column;}.kadence-column14276_4aa869-ef > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14276_4aa869-ef > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14276_4aa869-ef{position:relative;}@media all and (max-width: 1024px){.kadence-column14276_4aa869-ef > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14276_4aa869-ef > .kt-inside-inner-col{padding-right:0px;padding-left:0px;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14276_4aa869-ef\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading14276_0a73e9-02, .wp-block-kadence-advancedheading.kt-adv-heading14276_0a73e9-02[data-kb-block=\"kb-adv-heading14276_0a73e9-02\"]{text-align:left;font-style:normal;color:#020202;border-left:20px solid transparent;}.wp-block-kadence-advancedheading.kt-adv-heading14276_0a73e9-02 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14276_0a73e9-02[data-kb-block=\"kb-adv-heading14276_0a73e9-02\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading14276_0a73e9-02 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14276_0a73e9-02[data-kb-block=\"kb-adv-heading14276_0a73e9-02\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14276_0a73e9-02, .wp-block-kadence-advancedheading.kt-adv-heading14276_0a73e9-02[data-kb-block=\"kb-adv-heading14276_0a73e9-02\"]{border-left:20px solid transparent;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14276_0a73e9-02, .wp-block-kadence-advancedheading.kt-adv-heading14276_0a73e9-02[data-kb-block=\"kb-adv-heading14276_0a73e9-02\"]{border-left:20px solid transparent;}}<\/style>\n<h3 class=\"kt-adv-heading14276_0a73e9-02 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14276_0a73e9-02\">Points Cl\u00e9s<\/h3>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14276_b59b7e-59:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14276_b59b7e-59 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14276_b59b7e-59 ul.kt-svg-icon-list{grid-row-gap:20px;}.kt-svg-icon-list-items14276_b59b7e-59 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items14276_b59b7e-59 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14276_30b77f-e1 .kt-svg-icon-list-single{color:var(--global-palette2, #2B6CB0) !important;}.kt-svg-icon-list-item-14276_30b77f-e1 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14276_30b77f-e1\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Un compte de d\u00e9penses sant\u00e9 est un moyen souple et avantageux sur le plan fiscal de couvrir les frais de sant\u00e9 et de soins dentaires des employ\u00e9s.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14276_32dfdd-fa .kt-svg-icon-list-single{color:var(--global-palette2, #2B6CB0) !important;}.kt-svg-icon-list-item-14276_32dfdd-fa .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14276_32dfdd-fa\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Il est financ\u00e9 par l\u2019employeur et offre aux employ\u00e9s le choix d\u2019utiliser leurs avantages selon les cat\u00e9gories approuv\u00e9es par l\u2019ARC.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14276_b3ac3f-8c .kt-svg-icon-list-single{color:var(--global-palette2, #2B6CB0) !important;}.kt-svg-icon-list-item-14276_b3ac3f-8c .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14276_b3ac3f-8c\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Il est adaptable \u00e0 toutes les tailles d\u2019\u00e9quipe et peut \u00eatre int\u00e9gr\u00e9 \u00e0 d\u2019autres avantages comme la t\u00e9l\u00e9m\u00e9decine ou le soutien en sant\u00e9 mentale.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14276_925403-de .kt-svg-icon-list-single{color:var(--global-palette2, #2B6CB0) !important;}.kt-svg-icon-list-item-14276_925403-de .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14276_925403-de\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Des fournisseurs comme Sun Life, Manuvie et Dialogue proposent des solutions cl\u00e9s en main.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14276_bbef72-bb .kt-svg-icon-list-single{color:var(--global-palette2, #2B6CB0) !important;}.kt-svg-icon-list-item-14276_bbef72-bb .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14276_bbef72-bb\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Bien mis en place et bien communiqu\u00e9, ce type de compte peut am\u00e9liorer la satisfaction des employ\u00e9s, soutenir divers besoins en sant\u00e9, et mieux contr\u00f4ler les co\u00fbts pour l\u2019employeur.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"understanding-health-spending-accounts\">Mieux comprendre les comptes de d\u00e9penses de frais de sant\u00e9<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pour tirer le meilleur parti d\u2019un compte de d\u00e9penses de frais de sant\u00e9, encore faut-il comprendre ce que c\u2019est, comment \u00e7a fonctionne, et surtout, quels types de frais peuvent \u00eatre rembours\u00e9s.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"what-is-a-health-spending-account\">Qu\u2019est-ce qu\u2019un compte de d\u00e9penses de frais de sant\u00e9?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Avant de parler de r\u00e9clamations, de couverture ou de conformit\u00e9, clarifions ce dont il s\u2019agit. Cette section r\u00e9sume les bases : qu\u2019est-ce qu\u2019un compte de d\u00e9penses de frais de sant\u00e9, les types disponibles au Canada, ce qui le rend utile pour les employeurs et les employ\u00e9s, et les d\u00e9penses admissibles. <\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Un compte de d\u00e9penses de sant\u00e9 (souvent appel\u00e9 compte cr\u00e9dit sant\u00e9) est un r\u00e9gime financ\u00e9 par l\u2019employeur qui rembourse les frais de sant\u00e9 et dentaires pay\u00e9s par l\u2019employ\u00e9, sans incidence fiscale. Contrairement aux r\u00e9gimes d\u2019assurance traditionnels, souvent rigides, ce compte laisse aux employ\u00e9s la libert\u00e9 de choisir comment utiliser leurs dollars-sant\u00e9. Lunettes, psychologue, physio : \u00e0 chacun ses priorit\u00e9s.<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">O\u00f9 est le pi\u00e8ge? Essentiellement, il faut savoir comment int\u00e9grer ce compte \u00e0 votre <a href=\"https:\/\/twinn.ca\/fr\/avantages-sociaux-guide\/\">r\u00e9gime collectif<\/a> actuel. Il ne remplace pas une couverture de base, il la compl\u00e8te. Pensez-y comme un outil qui am\u00e9liore l\u2019efficacit\u00e9 globale de votre offre, en r\u00e9pondant \u00e0 des besoins individuels sans tomber dans le mod\u00e8le universel qui ne convient \u00e0 personne.<\/p>\n\n\n<style>.kb-image14276_f2c3af-7a .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image14276_f2c3af-7a size-full\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/07\/employees-discussing-health-spending-account-at-workplace-office.webp\" alt=\"Employ\u00e9s discutent du compte de d\u00e9penses de frais de sant\u00e9 au bureau du lieu de travail\" class=\"kb-img wp-image-14153\" title=\"Employ\u00e9s discutent du compte de d\u00e9penses de frais de sant\u00e9 au bureau du lieu de travail\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/07\/employees-discussing-health-spending-account-at-workplace-office.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/07\/employees-discussing-health-spending-account-at-workplace-office-300x200.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/07\/employees-discussing-health-spending-account-at-workplace-office-768x512.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"how-do-health-care-spending-accounts-work\">Comment fonctionnent les comptes de d\u00e9penses de soins de sant\u00e9?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le principe est simple : l\u2019employ\u00e9 paie ses frais admissibles (sant\u00e9 ou dentaires), puis soumet ses re\u00e7us pour remboursement. L\u2019employeur fixe un montant annuel maximum, disons 1 000 $, et les fonds sont accessibles pendant toute l\u2019ann\u00e9e de prestations. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tant que la demande est admissible selon les lignes directrices de l\u2019Agence du revenu du Canada (ARC), le remboursement est libre d\u2019imp\u00f4t pour l\u2019employ\u00e9 et une d\u00e9pense d\u2019entreprise d\u00e9ductible pour l\u2019employeur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019administration peut \u00eatre interne ou confi\u00e9e \u00e0 un tiers comme Dialogue, Maple ou Telus Sant\u00e9 (souvent dans un forfait d\u2019avantages plus large). Le processus de r\u00e9clamation se fait g\u00e9n\u00e9ralement via une application : l\u2019employ\u00e9 prend une photo de son re\u00e7u, le t\u00e9l\u00e9verse, et re\u00e7oit le remboursement en quelques jours. Aussi simple que \u00e7a.  <\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\">R\u00e9sum\u00e9 : fonctionnement d\u2019un compte de d\u00e9penses de frais de sant\u00e9<\/p>\n\n\n\n<figure class=\"wp-block-table alignfull\" style=\"padding-bottom:var(--wp--preset--spacing--40)\"><table><thead><tr><th>Caract\u00e9ristique<\/th><th>D\u00e9tails<\/th><\/tr><\/thead><tbody><tr><td>Financement<\/td><td>Financ\u00e9 par l\u2019employeur, d\u00e9ductible d\u2019imp\u00f4t<\/td><\/tr><tr><td>Limite annuelle<\/td><td>\u00c9tabli par l\u2019employeur (p. ex., fourchette typique de 500 $ \u00e0 2 500 $)<\/td><\/tr><tr><td>D\u00e9penses admissibles<\/td><td>Doit suivre les lignes directrices de l\u2019ARC<\/td><\/tr><tr><td>Processus de remboursement<\/td><td>L\u2019employ\u00e9 pr\u00e9sente un re\u00e7u \u2192 demande de r\u00e8glement examin\u00e9e \u2192 les fonds rembours\u00e9s<\/td><\/tr><tr><td>R\u00e8gles de report<\/td><td>Peut permettre un report prospectif de 1 an (du solde ou des sinistres, pas les deux)<\/td><\/tr><tr><td>Options d\u2019administration<\/td><td><br>Interne ou par un fournisseur externe comme Dialogue ou Maple<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Ce mod\u00e8le permet aux employ\u00e9s de d\u00e9penser l\u00e0 o\u00f9 \u00e7a compte pour eux, tout en gardant une structure simple pour les employeurs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"hsa-benefits-for-employers-and-teams\">Avantages du compte de d\u00e9penses de frais de sant\u00e9<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous h\u00e9sitez \u00e0 int\u00e9grer un compte de d\u00e9penses de frais de sant\u00e9 \u00e0 votre programme d\u2019avantages sociaux, voici la version courte : c\u2019est l\u2019un des outils les plus rentables et les plus flexibles que vous puissiez offrir. Voici pourquoi : <\/p>\n\n\n\n<h4 class=\"wp-block-heading has-medium-font-size\" id=\"benefits-of-hsas-for-employees\">Avantages pour les employ\u00e9s<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u00c9conomies d\u2019imp\u00f4t :<\/strong> Les cotisations vers\u00e9es \u00e0 un compte d\u2019\u00e9pargne-sant\u00e9 sont d\u00e9ductibles d\u2019imp\u00f4t, ce qui r\u00e9duit le revenu imposable des employ\u00e9s.<\/li>\n\n\n\n<li><strong>Croissance au fil du temps :<\/strong> Les fonds d\u2019un compte cr\u00e9dit sant\u00e9 fructifient \u00e0 l\u2019abri de l\u2019imp\u00f4t et les fonds inutilis\u00e9s sont report\u00e9s chaque ann\u00e9e sans expiration.<\/li>\n\n\n\n<li><strong>D\u00e9penses flexibles :<\/strong> Les employ\u00e9s peuvent utiliser les fonds pour un large \u00e9ventail de frais m\u00e9dicaux admissibles, des ordonnances aux soins dentaires.<\/li>\n\n\n\n<li><strong>Comptes portables<\/strong> : Le compte n\u2019est pas li\u00e9 \u00e0 l\u2019employeur. L\u2019employ\u00e9 le conserve m\u00eame en cas de d\u00e9part ou de retraite.<\/li>\n\n\n\n<li><strong>S\u00e9curit\u00e9 financi\u00e8re :<\/strong> Ce compte sert de coussin pour les impr\u00e9vus en sant\u00e9, r\u00e9duisant le stress financier.<\/li>\n\n\n\n<li><strong>\u00c9conomies \u00e0 long terme :<\/strong> Apr\u00e8s 65 ans, les fonds peuvent \u00eatre utilis\u00e9s pour des d\u00e9penses non m\u00e9dicales sans p\u00e9nalit\u00e9 (mais imposables), ce qui en fait un outil utile \u00e0 la retraite.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading has-medium-font-size\" id=\"benefits-of-hsas-for-employers\">Avantages pour les employeurs<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>R\u00e9duction des charges sociales<\/strong> : Les contributions de l\u2019employeur sont d\u00e9ductibles d\u2019imp\u00f4t et exemptes de charges sociales.<\/li>\n\n\n\n<li><strong>Contr\u00f4le des co\u00fbts :<\/strong> Les comptes de d\u00e9penses de frais de sant\u00e9 sont souvent associ\u00e9s \u00e0 des r\u00e9gimes \u00e0 franchise \u00e9lev\u00e9e, dont les primes sont moins ch\u00e8res.<\/li>\n\n\n\n<li><strong>R\u00e9tention et attraction des employ\u00e9s :<\/strong> Offrir un compte cr\u00e9dit sant\u00e9 peut am\u00e9liorer votre offre et attirer des talents.<\/li>\n\n\n\n<li><strong>Am\u00e9lioration du bien-\u00eatre des employ\u00e9s<\/strong> : Un acc\u00e8s facile aux soins favorise la pr\u00e9vention et la sant\u00e9 globale.<\/li>\n\n\n\n<li><strong>Facilit\u00e9 administrative :<\/strong> Compar\u00e9 \u00e0 d\u2019autres avantages, ce type de compte est relativement facile \u00e0 mettre en place et \u00e0 g\u00e9rer.<\/li>\n\n\n\n<li><strong>Meilleur moral<\/strong> : Soutenir la sant\u00e9 physique et financi\u00e8re des employ\u00e9s augmente leur satisfaction et leur productivit\u00e9.<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">En bref : un compte de d\u00e9penses de frais de sant\u00e9 donne \u00e0 votre \u00e9quipe plus de contr\u00f4le, sans compromettre votre budget.<\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"types-of-health-spending-accounts\">Types de comptes de d\u00e9penses de sant\u00e9<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Tous les comptes ne sont pas identiques. M\u00eame s\u2019ils respectent les m\u00eames r\u00e8gles fiscales de l\u2019ARC, leur structure varie selon les besoins. Voici un aper\u00e7u des options les plus courantes au Canada :  <\/p>\n\n\n\n<figure class=\"wp-block-table alignfull\"><table><thead><tr><th><strong>Type<\/strong><\/th><th><strong>Qu\u2019est-ce que c\u2019est<\/strong><\/th><th><strong>\u00c0 qui s\u2019adresse-t-il<\/strong><\/th><th><strong>Montant de la couverture \/ limites<\/strong><\/th><th><strong>Notes cl\u00e9s<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>Compte Cr\u00e9dit Sant\u00e9 Standard<\/strong><\/td><td>Compte financ\u00e9 par l\u2019employeur utilis\u00e9 pour rembourser les employ\u00e9s pour les frais m\u00e9dicaux et dentaires admissibles.<\/td><td>Entreprises incorpor\u00e9es avec employ\u00e9s<\/td><td>G\u00e9n\u00e9ralement 500 $ \u00e0 5 000 $ par employ\u00e9 par ann\u00e9e (d\u00e9fini par l\u2019employeur).<\/td><td>Non imposable pour les employ\u00e9s, d\u00e9ductible d\u2019imp\u00f4t pour l\u2019employeur. Conforme \u00e0 l\u2019ARC s\u2019il est bien structur\u00e9. <\/td><\/tr><tr><td><strong>R\u00e9gime priv\u00e9 d\u2019assurance-sant\u00e9 (RPSP)<\/strong><\/td><td>R\u00e9gime approuv\u00e9 par l\u2019ARC permettant aux entreprises constitu\u00e9es en soci\u00e9t\u00e9 de payer des frais de sant\u00e9 \u00e0 titre de d\u00e9duction commerciale.<\/td><td>Propri\u00e9taires d\u2019entreprises constitu\u00e9es en soci\u00e9t\u00e9 (avec ou sans employ\u00e9s).<\/td><td>Aucun plafond impos\u00e9 par l\u2019ARC, mais des limites raisonnables s\u2019appliquent (p. ex., 1 500 $ \u00e0 15 000 $ selon la taille de l\u2019entreprise).<\/td><td>Id\u00e9al pour les actionnaires uniques et les petites soci\u00e9t\u00e9s. Souvent utilis\u00e9 comme alternative compl\u00e8te \u00e0 l\u2019assurance. <\/td><\/tr><tr><td><strong>CDFS auto-assur\u00e9es<\/strong><\/td><td>CDFS personnalis\u00e9 avec des maximums d\u00e9finis par l\u2019employeur et des remboursements autofinanc\u00e9s.<\/td><td>Les moyennes et grandes entreprises qui veulent de la flexibilit\u00e9.<\/td><td>Enti\u00e8rement personnalisable (p. ex. 1 000 $ \u00e0 3 000 $ + par employ\u00e9 par ann\u00e9e).<\/td><td>N\u00e9cessite gestion interne ou fournisseur externe pour conformit\u00e9<\/td><\/tr><tr><td><strong>CDFS administr\u00e9 par un tiers<\/strong><\/td><td>Compte cr\u00e9dit sant\u00e9 g\u00e9r\u00e9 par un fournisseur externe qui s\u2019occupe des demandes, des re\u00e7us et de l\u2019observation de l\u2019ARC.<\/td><td>Entreprises de toutes tailles \u00e0 la recherche d\u2019une gestion non interventionniste.<\/td><td>Les limites de couverture sont fix\u00e9es par l\u2019employeur (fourchette typique : 500 $ \u00e0 10 000 $).<\/td><td>Des frais d\u2019administration s\u2019appliquent; assure l\u2019observation de l\u2019ARC et simplifie la tenue de livres.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Rappel :<\/strong> Quel que soit le type, le CDFS doit suivre les r\u00e8gles de l\u2019ARC pour \u00eatre admissible \u00e0 titre de <strong>r\u00e9gime priv\u00e9 d\u2019assurance-maladie<\/strong> (RPAM) et conserver son statut d\u2019exon\u00e9ration d\u2019imp\u00f4t.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"common-eligible-expenses-under-a-health-spending-account\">D\u00e9penses communes admissibles d\u2019un compte de d\u00e9penses de sant\u00e9<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019Agence du revenu du Canada (ARC) d\u00e9finit les d\u00e9penses admissibles \u00e0 un remboursement dans le cadre d\u2019un compte de d\u00e9penses de sant\u00e9. Bien que la liste compl\u00e8te soit longue, voici quelques-unes des cat\u00e9gories les plus couramment revendiqu\u00e9es : <\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14276_e7badb-03:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14276_e7badb-03 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14276_e7badb-03 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14276_e7badb-03 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14276_e7badb-03 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items14276_e7badb-03 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14276_00e05b-e3 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14276_00e05b-e3\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">M\u00e9dicaments sur ordonnance et vaccins<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14276_035a1c-20 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14276_035a1c-20\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Soins dentaires, y compris les nettoyages, les obturations et l\u2019orthodontie<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14276_98de2a-97 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14276_98de2a-97\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Soins de la vue, y compris les lunettes, les lentilles corn\u00e9ennes et les examens de la vue<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14276_8dddf2-14 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14276_8dddf2-14\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Services de sant\u00e9 mentale (psychologues, psychoth\u00e9rapeutes, travailleurs sociaux)<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14276_7b0ccf-83 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14276_7b0ccf-83\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Services param\u00e9dicaux tels que la massoth\u00e9rapie, la physioth\u00e9rapie, la chiropratique et l\u2019acupuncture<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14276_5dfc7b-f1 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14276_5dfc7b-f1\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Traitements de fertilit\u00e9 et interventions m\u00e9dicales connexes<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14276_cc066f-de .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14276_cc066f-de\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Proth\u00e8ses auditives et tests ou r\u00e9parations connexes<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14276_94298e-16 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14276_94298e-16\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Instruments et \u00e9quipements m\u00e9dicaux (p. ex., orth\u00e8ses, appareils orthop\u00e9diques, appareils CPAP)<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14276_a5387a-39 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14276_a5387a-39\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Services ambulanciers et primes d\u2019assurance-maladie de voyage<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14276_37ca02-ef .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14276_37ca02-ef\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Fournitures pour diab\u00e9tiques et aides \u00e0 la mobilit\u00e9 (p. ex., cannes, d\u00e9ambulateurs)<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Conseil :<\/strong> Pour obtenir la liste compl\u00e8te des frais m\u00e9dicaux approuv\u00e9s par l\u2019ARC, consultez les <strong><a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/news\/newsroom\/tax-tips\/tax-tips-2019\/warning-buyer-beware-when-it-comes-to-health-spending-accounts.html?\" data-type=\"link\" data-id=\"https:\/\/www.canada.ca\/en\/revenue-agency\/news\/newsroom\/tax-tips\/tax-tips-2019\/warning-buyer-beware-when-it-comes-to-health-spending-accounts.html?\" target=\"_blank\" rel=\"noopener\">lignes directrices de l\u2019Agence du revenu du Canada (ARC).<\/a><\/strong><\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"hsa-vs-traditional-group-insurance\">CDFS vs assurance collective traditionnelle<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bien que les CDFS et les assurances collectives traditionnelles offrent une couverture de soins de sant\u00e9, elles fonctionnent tr\u00e8s diff\u00e9remment et chacune a ses forces. Voici comment ils se comparent :<\/p>\n\n\n\n<figure class=\"wp-block-table alignfull\"><table><thead><tr><th><strong>Caract\u00e9ristique<\/strong><\/th><th><strong>Compte de d\u00e9penses de sant\u00e9 (CDFS)<\/strong><\/th><th><strong>Assurance collective traditionnelle<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>Financement<\/strong><\/td><td>L\u2019employeur fixe un montant annuel fixe<\/td><td>Primes pay\u00e9es mensuellement \u00e0 l\u2019assureur<\/td><\/tr><tr><td><strong>Souplesse<\/strong><\/td><td>\u00c9lev\u00e9e \u2013 les employ\u00e9s choisissent comment d\u00e9penser les fonds<\/td><td>Cat\u00e9gories et limites de couverture faibles \u2013 fixes<\/td><\/tr><tr><td><strong>D\u00e9penses admissibles<\/strong><\/td><td>Frais m\u00e9dicaux et dentaires approuv\u00e9s par l\u2019ARC<\/td><td>Pr\u00e9d\u00e9fini par l\u2019assureur (peut exclure certains services)<\/td><\/tr><tr><td><strong>Traitement fiscal (employ\u00e9)<\/strong><\/td><td>Les remboursements ne sont pas imposables<\/td><td>Les prestations ne sont g\u00e9n\u00e9ralement pas imposables<\/td><\/tr><tr><td><strong>Traitement fiscal (employeur)<\/strong><\/td><td>100% d\u00e9ductible d\u2019imp\u00f4t<\/td><td>Les primes sont \u00e9galement d\u00e9ductibles d\u2019imp\u00f4t<\/td><\/tr><tr><td><strong>Pr\u00e9visibilit\u00e9 des co\u00fbts<\/strong><\/td><td>\u00c9lev\u00e9e \u2013 l\u2019employeur contr\u00f4le les d\u00e9penses maximales par employ\u00e9<\/td><td>Contr\u00f4le inf\u00e9rieur \u2013 sous r\u00e9serve d\u2019augmentations de primes<\/td><\/tr><tr><td><strong>Id\u00e9al pour<\/strong><\/td><td>Compl\u00e9ter ou personnaliser la couverture existante<\/td><td>Couverture de base pour les principaux besoins en mati\u00e8re de sant\u00e9, de soins dentaires et de la vue<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Conseil :<\/strong> De nombreux employeurs combinent l\u2019utilisation d\u2019une assurance pour la couverture de base et d\u2019un CDFS pour personnaliser et \u00e9largir ce qui est disponible pour les employ\u00e9s.<\/p>\n<\/blockquote>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id14276_0dd689-c7{margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id14276_0dd689-c7 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14276_0dd689-c7 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id14276_0dd689-c7 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, calc(55% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)))minmax(0, calc(45% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)));}.kb-row-layout-id14276_0dd689-c7{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;overflow:clip;isolation:isolate;}.kb-row-layout-id14276_0dd689-c7 > .kt-row-layout-overlay{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}.kb-row-layout-id14276_0dd689-c7 > .kt-row-layout-overlay{opacity:0.17;background:linear-gradient(90deg,var(--global-palette2) 3%,var(--global-palette6,#f2f0e8) 100%);}@media all and (max-width: 1024px){.kb-row-layout-id14276_0dd689-c7 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-md, 2rem);grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id14276_0dd689-c7 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id14276_0dd689-c7 alignnone has-theme-palette8-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-layout-overlay kt-row-overlay-gradient\"><\/div><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-left-golden kt-tab-layout-row kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column14276_a24652-be > .kt-inside-inner-col,.kadence-column14276_a24652-be > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14276_a24652-be > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14276_a24652-be > .kt-inside-inner-col{flex-direction:column;}.kadence-column14276_a24652-be > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14276_a24652-be > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14276_a24652-be{position:relative;}@media all and (max-width: 1024px){.kadence-column14276_a24652-be > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14276_a24652-be > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14276_a24652-be\"><div class=\"kt-inside-inner-col\"><style>.kadence-column14276_42f024-67 > .kt-inside-inner-col{display:flex;}#wrapper.site{overflow:clip;}.kadence-column14276_42f024-67{--kb-section-setting-offset:90px;}.kadence-column14276_42f024-67 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kadence-column14276_42f024-67 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14276_42f024-67 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14276_42f024-67 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column14276_42f024-67{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14276_42f024-67{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14276_42f024-67 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14276_42f024-67 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14276_42f024-67{text-align:left;}.kadence-column14276_42f024-67{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column14276_42f024-67{align-self:flex-start;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14276_42f024-67{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14276_42f024-67 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column14276_42f024-67 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column14276_42f024-67{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14276_42f024-67{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14276_42f024-67 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14276_42f024-67 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14276_42f024-67 kb-section-is-sticky kb-section-dir-vertical o-sticky o-sticky-scope-main-area o-sticky-pos-top o-sticky-bhvr-keep\" data-aos=\"fade-right\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading14276_cc8023-e7, .wp-block-kadence-advancedheading.kt-adv-heading14276_cc8023-e7[data-kb-block=\"kb-adv-heading14276_cc8023-e7\"]{font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;font-family:var( --global-heading-font-family, inherit );}.wp-block-kadence-advancedheading.kt-adv-heading14276_cc8023-e7 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14276_cc8023-e7[data-kb-block=\"kb-adv-heading14276_cc8023-e7\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading14276_cc8023-e7 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14276_cc8023-e7[data-kb-block=\"kb-adv-heading14276_cc8023-e7\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14276_cc8023-e7, .wp-block-kadence-advancedheading.kt-adv-heading14276_cc8023-e7[data-kb-block=\"kb-adv-heading14276_cc8023-e7\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14276_cc8023-e7, .wp-block-kadence-advancedheading.kt-adv-heading14276_cc8023-e7[data-kb-block=\"kb-adv-heading14276_cc8023-e7\"]{text-align:center!important;}}<\/style>\n<h4 class=\"kt-adv-heading14276_cc8023-e7 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14276_cc8023-e7\">Configurez votre CDFS en toute confiance<\/h4>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading14276_a7e3d6-3b, .wp-block-kadence-advancedheading.kt-adv-heading14276_a7e3d6-3b[data-kb-block=\"kb-adv-heading14276_a7e3d6-3b\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading14276_a7e3d6-3b mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14276_a7e3d6-3b[data-kb-block=\"kb-adv-heading14276_a7e3d6-3b\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading14276_a7e3d6-3b img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14276_a7e3d6-3b[data-kb-block=\"kb-adv-heading14276_a7e3d6-3b\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14276_a7e3d6-3b, .wp-block-kadence-advancedheading.kt-adv-heading14276_a7e3d6-3b[data-kb-block=\"kb-adv-heading14276_a7e3d6-3b\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14276_a7e3d6-3b, .wp-block-kadence-advancedheading.kt-adv-heading14276_a7e3d6-3b[data-kb-block=\"kb-adv-heading14276_a7e3d6-3b\"]{text-align:center!important;}}<\/style>\n<p class=\"kt-adv-heading14276_a7e3d6-3b wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14276_a7e3d6-3b\">Nous aidons les entreprises \u00e0 concevoir et implanter des comptes de d\u00e9penses de frais de sant\u00e9 qui sont fiscalement avantageux, bien pens\u00e9s et align\u00e9s avec leur r\u00e9gime collectif.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column14276_f7ac21-69 > .kt-inside-inner-col{display:flex;}.kadence-column14276_f7ac21-69 > .kt-inside-inner-col,.kadence-column14276_f7ac21-69 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14276_f7ac21-69 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14276_f7ac21-69 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14276_f7ac21-69 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column14276_f7ac21-69{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14276_f7ac21-69{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14276_f7ac21-69 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14276_f7ac21-69 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14276_f7ac21-69{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column14276_f7ac21-69{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14276_f7ac21-69{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14276_f7ac21-69 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column14276_f7ac21-69 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column14276_f7ac21-69{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14276_f7ac21-69{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14276_f7ac21-69 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14276_f7ac21-69 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14276_f7ac21-69\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading14276_63cb7b-9f, .wp-block-kadence-advancedheading.kt-adv-heading14276_63cb7b-9f[data-kb-block=\"kb-adv-heading14276_63cb7b-9f\"]{margin-bottom:var(--global-kb-spacing-xs, 1rem);text-align:center;font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading14276_63cb7b-9f[data-kb-block=\"kb-adv-heading14276_63cb7b-9f\"]{display:flex;gap:0.25em;justify-content:center;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading14276_63cb7b-9f[data-kb-block=\"kb-adv-heading14276_63cb7b-9f\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading14276_63cb7b-9f[data-kb-block=\"kb-adv-heading14276_63cb7b-9f\"] .kb-adv-heading-icon{color:var(--global-palette1, #3182CE);}.wp-block-kadence-advancedheading.kt-adv-heading14276_63cb7b-9f mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14276_63cb7b-9f[data-kb-block=\"kb-adv-heading14276_63cb7b-9f\"] mark.kt-highlight{font-style:normal;color:var(--global-palette6, #718096);-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading14276_63cb7b-9f img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14276_63cb7b-9f[data-kb-block=\"kb-adv-heading14276_63cb7b-9f\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14276_63cb7b-9f, .wp-block-kadence-advancedheading.kt-adv-heading14276_63cb7b-9f[data-kb-block=\"kb-adv-heading14276_63cb7b-9f\"]{text-align:center!important;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14276_63cb7b-9f[data-kb-block=\"kb-adv-heading14276_63cb7b-9f\"]{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14276_63cb7b-9f, .wp-block-kadence-advancedheading.kt-adv-heading14276_63cb7b-9f[data-kb-block=\"kb-adv-heading14276_63cb7b-9f\"]{padding-bottom:0px;text-align:center!important;}.wp-block-kadence-advancedheading.kt-adv-heading14276_63cb7b-9f[data-kb-block=\"kb-adv-heading14276_63cb7b-9f\"]{justify-content:center;}}<\/style><p class=\"kt-adv-heading14276_63cb7b-9f wp-block-kadence-advancedheading kt-adv-heading-has-icon\" data-kb-block=\"kb-adv-heading14276_63cb7b-9f\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-fas_phone-square kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 448 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M400 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zM94 416c-7.033 0-13.057-4.873-14.616-11.627l-14.998-65a15 15 0 0 1 8.707-17.16l69.998-29.999a15 15 0 0 1 17.518 4.289l30.997 37.885c48.944-22.963 88.297-62.858 110.781-110.78l-37.886-30.997a15.001 15.001 0 0 1-4.289-17.518l30-69.998a15 15 0 0 1 17.16-8.707l65 14.998A14.997 14.997 0 0 1 384 126c0 160.292-129.945 290-290 290z\"\/><\/svg><\/span><span class=\"kb-adv-text-inner\"><a href=\"tel:1-866-760-3993\" data-type=\"tel\" data-id=\"tel:1-866-760-3993\"><mark class=\"kt-highlight\">Appelez-nous une estimation gratuite <\/mark><\/a><\/span><\/p>\n\n<style>.wp-block-kadence-advancedbtn.kb-btns14276_d3c00c-41{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:center;align-items:center;}.kt-btns14276_d3c00c-41 .kt-button{font-weight:normal;font-style:normal;}.kt-btns14276_d3c00c-41 .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns14276_d3c00c-41 .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns14276_d3c00c-41 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns14276_d3c00c-41 .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns14276_d3c00c-41 .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns14276_d3c00c-41 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns14276_d3c00c-41 .kt-btn-wrap-0 .kt-button:focus{background:#444444;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns14276_d3c00c-41{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn.kb-btns14276_d3c00c-41{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns14276_d3c00c-41\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn14276_bb0c07-07.kb-button{width:initial;}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn14276_bb0c07-07.kb-button{font-size:var(--global-kb-font-size-sm, 0.9rem);}}<\/style><a class=\"kb-button kt-button button kb-btn14276_bb0c07-07 kt-btn-size-standard kt-btn-width-type-auto kb-btn-global-inherit kt-btn-has-text-true kt-btn-has-svg-true wp-block-button__link wp-block-kadence-singlebtn\" href=\"https:\/\/twinn.ca\/fr\/contact\/\"><span class=\"kt-btn-inner-text\">Contacter Maintenant<\/span><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRightCircle kt-btn-icon-side-right\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polyline points=\"12 16 16 12 12 8\"\/><line x1=\"8\" y1=\"12\" x2=\"16\" y2=\"12\"\/><\/svg><\/span><\/a><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-image14276_20aea8-db .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image14276_20aea8-db size-full\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/07\/serious-male-economist-analyzing-financial-papers-front-laptop-by-desk.webp\" alt=\"\" class=\"kb-img wp-image-14412\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/07\/serious-male-economist-analyzing-financial-papers-front-laptop-by-desk.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/07\/serious-male-economist-analyzing-financial-papers-front-laptop-by-desk-300x200.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/07\/serious-male-economist-analyzing-financial-papers-front-laptop-by-desk-768x512.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"hsa-set-up-integration-with-other-benefits\">Mise en place et int\u00e9gration du compte de d\u00e9penses de frais de sant\u00e9<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Mettre en place un compte de d\u00e9penses de frais de sant\u00e9 est relativement simple, mais l\u2019int\u00e9grer \u00e0 votre strat\u00e9gie globale d\u2019avantages sociaux demande un peu plus de planification. Du choix de la structure \u00e0 la coordination avec vos assurances ou programmes de mieux-\u00eatre, voici comment l\u2019implanter sans accroc. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"setting-up-a-health-spending-account\">Ouvrir un compte de d\u00e9penses de sant\u00e9 <\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le lancement d\u2019un compte de d\u00e9penses de sant\u00e9 commence par quelques d\u00e9cisions cl\u00e9s concernant la conception, le financement et l\u2019administration du r\u00e9gime. Voici comment proc\u00e9der :  <\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"1-choose-the-right-administration-model\">1. Choisissez le bon mod\u00e8le d\u2019administration<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Premi\u00e8re \u00e9tape : d\u00e9cider si vous g\u00e9rez le compte en interne ou via un fournisseur. Pour une petite \u00e9quipe avec peu de r\u00e9clamations, une gestion interne peut suffire, surtout si vous g\u00e9rez d\u00e9j\u00e0 la paie \u00e0 l\u2019interne et cherchez \u00e0 limiter les co\u00fbts.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mais d\u00e8s que vous d\u00e9passez une douzaine d\u2019employ\u00e9s, les choses peuvent vite devenir complexes. C\u2019est l\u00e0 que des fournisseurs comme <strong>Sun Life, Manuvie, Canada Vie<\/strong> ou des plateformes comme <strong>Dialogue<\/strong> et <strong>Maple<\/strong> entrent en jeu. Ils s\u2019occupent de tout : traitement des r\u00e9clamations, conformit\u00e9 avec l\u2019ARC, assistance aux employ\u00e9s, rapports, etc. La plupart proposent aussi des applis mobiles, des tableaux de bord en ligne et des int\u00e9grations avec d\u2019autres plateformes d\u2019<span style=\"text-decoration: underline;\">avantages pour employ\u00e9s<\/span>.  <\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Conseil <\/strong>: Si vous utilisez d\u00e9j\u00e0 une plateforme pour la t\u00e9l\u00e9m\u00e9decine ou le suivi bien-\u00eatre, v\u00e9rifiez si elle propose un compte cr\u00e9dit sant\u00e9 int\u00e9gr\u00e9. C\u2019est souvent plus \u00e9conomique et plus simple que de repartir de z\u00e9ro.<\/p>\n<\/blockquote>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"2-define-eligibility-and-allocation-amounts\">2. D\u00e9finir les montants d\u2019admissibilit\u00e9 et d\u2019allocation<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00e9cidez qui peut en b\u00e9n\u00e9ficier. En g\u00e9n\u00e9ral, on inclut les employ\u00e9s \u00e0 temps plein, mais certaines entreprises l\u2019\u00e9tendent aux temps partiels ou aux contractuels.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Combien devriez-vous offrir par employ\u00e9? Cela d\u00e9pend de votre budget, mais la plupart des entreprises gagnent entre <strong>500 $ et 2 500 $<\/strong> par ann\u00e9e. Voici quelques exemples concrets :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>500 $\/ann\u00e9e pour les employ\u00e9s \u00e0 temps partiel<\/li>\n\n\n\n<li>1 500 $\/ann\u00e9e pour les employ\u00e9s \u00e0 temps plein<\/li>\n\n\n\n<li>3 000 $ par ann\u00e9e pour les cadres sup\u00e9rieurs ou les postes de direction<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Vous n\u2019avez pas besoin de reproduire le co\u00fbt total de votre r\u00e9gime collectif. Les comptes de d\u00e9penses de frais de sant\u00e9 fonctionnent mieux comme compl\u00e9ment pour couvrir les zones grises : soins de la vue, services param\u00e9dicaux, soins dentaires suppl\u00e9mentaires, etc.  <\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Conseil :<\/strong> C\u2019est aussi le bon moment pour envisager la flexibilit\u00e9 future. Si vous envisagez d\u2019ajouter un autre <a href=\"https:\/\/twinn.ca\/fr\/compte-depenses-employes\/\" data-type=\"link\" data-id=\"https:\/\/twinn.ca\/fr\/compte-depenses-employes\/\">type de compte de d\u00e9penses<\/a>, pensez \u00e0 \u00e9quilibrer les montants pour ne pas trop \u00e9tirer votre budget.<\/p>\n<\/blockquote>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"3-establish-the-claims-process-and-deadlines\">3. D\u00e9finir le processus de r\u00e9clamation<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Avant que vos employ\u00e9s puissent utiliser leur compte, vous devez mettre en place un processus simple, clair et rapide, autant pour eux que pour les RH.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Voici \u00e0 quoi ressemble un processus typique :<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14276_a560c2-d7:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14276_a560c2-d7 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14276_a560c2-d7 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14276_a560c2-d7 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14276_a560c2-d7 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items14276_a560c2-d7 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14276_544978-0c .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14276_544978-0c\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">L\u2019employ\u00e9 paie pour un service admissible (p. ex., un nettoyage dentaire de 200 $)<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14276_c7d53c-4f .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14276_c7d53c-4f\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Soumet le re\u00e7u via l\u2019application ou le portail en ligne<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14276_66f739-cd .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14276_66f739-cd\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">La demande est examin\u00e9e et approuv\u00e9e.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14276_67a404-0b .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14276_67a404-0b\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Le remboursement est \u00e9mis par d\u00e9p\u00f4t direct (g\u00e9n\u00e9ralement dans les quelques jours)<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c9tablissez des r\u00e8gles claires concernant :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>D\u00e9lais de r\u00e9clamation (p. ex., 60 \u00e0 90 jours apr\u00e8s l\u2019engagement de la d\u00e9pense)<\/li>\n\n\n\n<li>Type de preuve exig\u00e9e (photo du re\u00e7u vs. original)<\/li>\n\n\n\n<li>R\u00e8gles de report (l\u2019ARC permet le report soit des <strong>fonds<\/strong> inutilis\u00e9s soit des <strong>r\u00e9clamations<\/strong>, mais pas les deux)<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Conseil : Pour plus de simplicit\u00e9, la plupart des employeurs alignent l\u2019ann\u00e9e du compte sur l\u2019ann\u00e9e civile (1er janv. au 31 d\u00e9c.).<\/p>\n<\/blockquote>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"4-decide-on-carry-forward-rules\">4. D\u00e9cidez des r\u00e8gles de report<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">C\u2019est une des d\u00e9cisions les plus importantes : allez-vous permettre le report des fonds inutilis\u00e9s ou des r\u00e9clamations non soumises? L\u2019ARC autorise un report d\u2019un an, mais pour un seul des deux \u00e9l\u00e9ments. Exemple : si un employ\u00e9 n\u2019utilise pas son solde l\u2019ann\u00e9e 1, il peut le reporter \u00e0 l\u2019ann\u00e9e 2.   <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En revanche, s\u2019il soumet une r\u00e9clamation datant de l\u2019ann\u00e9e 1, il ne pourra pas aussi reporter son solde. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pourquoi est-ce important? Parce qu\u2019elle affecte la fa\u00e7on dont les employ\u00e9s utilisent le r\u00e9gime. Un report pour les d\u00e9penses non r\u00e9clam\u00e9es encourage les d\u00e9penses anticip\u00e9es, tandis qu\u2019un report pour les fonds inutilis\u00e9s leur donne plus de temps pour planifier des traitements co\u00fbteux (comme les appareils orthodontiques ou le LASIK).  <\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Meilleure pratique : Choisissez une approche et communiquez-la clairement dans vos documents d\u2019int\u00e9gration afin qu\u2019il n\u2019y ait pas de surprises.<\/p>\n<\/blockquote>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"5-communicate-clearly\">5. Communiquez clairement<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">C\u2019est l\u2019\u00e9tape d\u00e9cisive. Si vos employ\u00e9s ne comprennent pas comment fonctionne leur compte cr\u00e9dit sant\u00e9, ou s\u2019ils ne savent m\u00eame pas qu\u2019il existe, le taux d\u2019utilisation sera faible et leur satisfaction aussi. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Commencez par les bases :<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14276_0290ec-01:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14276_0290ec-01 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14276_0290ec-01 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14276_0290ec-01 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14276_0290ec-01 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items14276_0290ec-01 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14276_764bf9-97 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14276_764bf9-97 kt-svg-icon-list-level-1\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Qu\u2019est-ce qui est admissible?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14276_3d8b22-42 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14276_3d8b22-42 kt-svg-icon-list-level-1\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Comment soumettre une r\u00e9clamation?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14276_0e3391-ee .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14276_0e3391-ee kt-svg-icon-list-level-1\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Quand les fonds sont-ils renouvel\u00e9s?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14276_d10dda-fb .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14276_d10dda-fb kt-svg-icon-list-level-1\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Quelle est la date limite pour soumettre les re\u00e7us?<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Offrez une FAQ, une courte vid\u00e9o explicative ou une s\u00e9ance d\u2019information pendant l\u2019accueil des nouveaux employ\u00e9s. Si vous lancez le compte comme nouvel avantage, faites une campagne simple et concr\u00e8te : : \u00ab R\u00e9cup\u00e9rez 300 $ pour l\u2019appareil orthodontique de votre enfant \u00bb ou \u00ab R\u00e9clamez vos re\u00e7us de massage avant la fin de l\u2019ann\u00e9e \u00bb.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"integrating-hsas-with-other-benefits\">Int\u00e9grer un compte de d\u00e9penses de frais de sant\u00e9 \u00e0 votre r\u00e9gime d\u2019avantages sociaux<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un compte de d\u00e9penses de frais de sant\u00e9 (ou compte cr\u00e9dit sant\u00e9) ne fonctionne pas en vase clos, il s\u2019int\u00e8gre beaucoup mieux lorsqu\u2019il fait partie d\u2019une strat\u00e9gie globale en mati\u00e8re de soins de sant\u00e9. C\u2019est un excellent moyen d\u2019all\u00e9ger la pression sur votre r\u00e9gime d\u2019assurance principal. Plut\u00f4t que d\u2019\u00e9largir une couverture \u00e0 primes (qui augmente vos co\u00fbts chaque ann\u00e9e), vous fixez un plafond annuel stable, tout en offrant une flexibilit\u00e9 pr\u00e9cieuse \u00e0 vos employ\u00e9s.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Faciles \u00e0 int\u00e9grer \u00e0 votre r\u00e9gime existant, les comptes de d\u00e9penses de frais de sant\u00e9 peuvent fonctionner de plusieurs fa\u00e7ons : <\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Option autonome<\/strong> : Id\u00e9al pour les petites entreprises, offre une couverture sans frais d\u2019assurance complets.<\/li>\n\n\n\n<li><strong>Compl\u00e9ment pour les r\u00e9gimes collectifs<\/strong> : Couvre les d\u00e9penses manqu\u00e9es par les r\u00e9gimes traditionnels, comme la physioth\u00e9rapie suppl\u00e9mentaire ou la vision.<\/li>\n\n\n\n<li><strong>Jumelez-le \u00e0 une assurance \u00e0 franchise \u00e9lev\u00e9e<\/strong> : maintenez les primes basses tout en couvrant les frais quotidiens.<\/li>\n\n\n\n<li><strong>Combinez avec un compte de mieux-\u00eatre<\/strong> : Utilisez le compte sant\u00e9 pour les frais m\u00e9dicaux, et le compte mieux-\u00eatre pour le fitness ou le bien-\u00eatre mental.<\/li>\n<\/ol>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u00c9tant donn\u00e9 que de nombreux employ\u00e9s s\u2019attendent maintenant \u00e0 des options telles que le <a href=\"https:\/\/twinn.ca\/fr\/soutien-psychologique-employee\/\">soutien en sant\u00e9 mentale<\/a> ou la couverture pour les traitements non standard, un CDFS aide \u00e0 p\u00e9renniser votre offre sans vous enfermer dans des changements de police co\u00fbteux.<\/p>\n<\/blockquote>\n\n\n<style>.kb-image14276_f6a4cd-ca .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image14276_f6a4cd-ca size-full\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/07\/employee-onboarding-discussing-health-spending-accounts.webp\" alt=\"\" class=\"kb-img wp-image-14155\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/07\/employee-onboarding-discussing-health-spending-accounts.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/07\/employee-onboarding-discussing-health-spending-accounts-300x200.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/07\/employee-onboarding-discussing-health-spending-accounts-768x512.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"tax-advantages-and-compliance\">Avantages fiscaux et conformit\u00e9<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un compte de d\u00e9penses sant\u00e9 bien structur\u00e9 offre des avantages fiscaux \u00e9vidents aux employeurs et aux employ\u00e9s, s\u2019il respecte les lignes directrices de l\u2019ARC.<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-medium-font-size\" id=\"for-employers-1\">Pour les employeurs<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Les cotisations \u00e0 un CDFS sont d\u00e9ductibles d\u2019imp\u00f4t \u00e0 100% \u00e0 titre de d\u00e9pense d\u2019entreprise.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.canada.ca\/fr\/agence-revenu\/services\/impot\/entreprises\/sujets\/retenues-paie\/avantages-allocations\/primes-versees-a-regime-prive-assurance-maladie.html\" data-type=\"link\" data-id=\"https:\/\/www.canada.ca\/fr\/agence-revenu\/services\/impot\/entreprises\/sujets\/retenues-paie\/avantages-allocations\/primes-versees-a-regime-prive-assurance-maladie.html\" target=\"_blank\" rel=\"noopener\">Aucune taxe sur la masse salariale<\/a> ne s\u2019applique et il n\u2019est pas n\u00e9cessaire d\u2019inclure la valeur des remboursements d\u2019AHS sur les feuillets T4.<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading has-medium-font-size\" id=\"for-employees-1\">Pour les employ\u00e9s :<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Les remboursements sont re\u00e7us en franchise d\u2019imp\u00f4t, \u00e0 condition qu\u2019il s\u2019agisse de frais m\u00e9dicaux approuv\u00e9s par l\u2019ARC et que le r\u00e9gime soit admissible \u00e0 titre de <strong>r\u00e9gime priv\u00e9 d\u2019assurance-maladie (RPAM).<\/strong><\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading has-medium-font-size\" id=\"compliance-must-haves\">\u00c9l\u00e9ments essentiels de la conformit\u00e9 :<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Le r\u00e9gime doit \u00eatre enti\u00e8rement financ\u00e9 par l\u2019employeur, les employ\u00e9s ne peuvent pas cotiser.<\/li>\n\n\n\n<li>Les demandes doivent porter sur des frais m\u00e9dicaux admissibles tels que d\u00e9finis par l\u2019ARC.<\/li>\n\n\n\n<li>Vous ne pouvez reporter que les <strong>fonds inutilis\u00e9s<\/strong> <strong>ou<\/strong> les d\u00e9penses non r\u00e9clam\u00e9es, pas les deux.<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading has-medium-font-size\" id=\"tax-example\">Exemple d\u2019imp\u00f4t :<\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">Vous offrez<strong> 1 200 $ par an<\/strong> \u00e0 chaque employ\u00e9 via un compte sant\u00e9. Un employ\u00e9 soumet : <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>800 $ pour l\u2019orthodontie<\/li>\n\n\n\n<li>300 $ pour les soins de la vue<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Vous remboursez <strong>1 100 $<\/strong>. Ce montant est non imposable pour l\u2019employ\u00e9.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ce montant est<strong> non imposable<\/strong> pour l\u2019employ\u00e9.<\/li>\n\n\n\n<li>Vous d\u00e9duisez les <strong>1 100 $<\/strong> comme <strong>d\u00e9pense d\u2019entreprise<\/strong>, tout comme si vous payiez un fournisseur.<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Aucune incidence sur le RPC, l\u2019assurance-emploi ou l\u2019imp\u00f4t sur le revenu pour l\u2019une ou l\u2019autre des parties, juste une r\u00e9mun\u00e9ration propre et efficace.<\/p>\n<\/blockquote>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id14276_9fc64d-6c{margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id14276_9fc64d-6c > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id14276_9fc64d-6c > 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.kt-inside-inner-col,.kadence-column14276_1084cb-cf > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14276_1084cb-cf > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14276_1084cb-cf > .kt-inside-inner-col{flex-direction:column;}.kadence-column14276_1084cb-cf > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14276_1084cb-cf > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14276_1084cb-cf{position:relative;}@media all and (max-width: 1024px){.kadence-column14276_1084cb-cf > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14276_1084cb-cf > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14276_1084cb-cf\"><div class=\"kt-inside-inner-col\"><style>.kadence-column14276_677d1f-78 > .kt-inside-inner-col{display:flex;}#wrapper.site{overflow:clip;}.kadence-column14276_677d1f-78{--kb-section-setting-offset:90px;}.kadence-column14276_677d1f-78 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kadence-column14276_677d1f-78 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14276_677d1f-78 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14276_677d1f-78 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column14276_677d1f-78{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14276_677d1f-78{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14276_677d1f-78 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14276_677d1f-78 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14276_677d1f-78{text-align:left;}.kadence-column14276_677d1f-78{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column14276_677d1f-78{align-self:flex-start;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14276_677d1f-78{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14276_677d1f-78 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column14276_677d1f-78 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column14276_677d1f-78{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14276_677d1f-78{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14276_677d1f-78 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column14276_677d1f-78 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14276_677d1f-78 kb-section-is-sticky kb-section-dir-vertical o-sticky o-sticky-scope-main-area o-sticky-pos-top o-sticky-bhvr-keep\" data-aos=\"fade-right\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading14276_cdbbfb-66, .wp-block-kadence-advancedheading.kt-adv-heading14276_cdbbfb-66[data-kb-block=\"kb-adv-heading14276_cdbbfb-66\"]{font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;font-family:var( --global-heading-font-family, inherit );}.wp-block-kadence-advancedheading.kt-adv-heading14276_cdbbfb-66 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14276_cdbbfb-66[data-kb-block=\"kb-adv-heading14276_cdbbfb-66\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading14276_cdbbfb-66 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14276_cdbbfb-66[data-kb-block=\"kb-adv-heading14276_cdbbfb-66\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14276_cdbbfb-66, .wp-block-kadence-advancedheading.kt-adv-heading14276_cdbbfb-66[data-kb-block=\"kb-adv-heading14276_cdbbfb-66\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14276_cdbbfb-66, .wp-block-kadence-advancedheading.kt-adv-heading14276_cdbbfb-66[data-kb-block=\"kb-adv-heading14276_cdbbfb-66\"]{text-align:center!important;}}<\/style>\n<h4 class=\"kt-adv-heading14276_cdbbfb-66 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14276_cdbbfb-66\">Configurez votre CDFS en toute confiance<\/h4>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading14276_ad8940-40, .wp-block-kadence-advancedheading.kt-adv-heading14276_ad8940-40[data-kb-block=\"kb-adv-heading14276_ad8940-40\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading14276_ad8940-40 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14276_ad8940-40[data-kb-block=\"kb-adv-heading14276_ad8940-40\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading14276_ad8940-40 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14276_ad8940-40[data-kb-block=\"kb-adv-heading14276_ad8940-40\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14276_ad8940-40, .wp-block-kadence-advancedheading.kt-adv-heading14276_ad8940-40[data-kb-block=\"kb-adv-heading14276_ad8940-40\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14276_ad8940-40, .wp-block-kadence-advancedheading.kt-adv-heading14276_ad8940-40[data-kb-block=\"kb-adv-heading14276_ad8940-40\"]{text-align:center!important;}}<\/style>\n<p class=\"kt-adv-heading14276_ad8940-40 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14276_ad8940-40\">Nous aidons les entreprises \u00e0 concevoir et implanter des comptes de d\u00e9penses de frais de sant\u00e9 qui sont fiscalement avantageux, bien pens\u00e9s et align\u00e9s avec leur r\u00e9gime collectif.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column14276_ddc3f0-6a > .kt-inside-inner-col{display:flex;}.kadence-column14276_ddc3f0-6a > .kt-inside-inner-col,.kadence-column14276_ddc3f0-6a > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14276_ddc3f0-6a > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14276_ddc3f0-6a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14276_ddc3f0-6a > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column14276_ddc3f0-6a{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14276_ddc3f0-6a{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14276_ddc3f0-6a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14276_ddc3f0-6a > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14276_ddc3f0-6a{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column14276_ddc3f0-6a{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14276_ddc3f0-6a{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14276_ddc3f0-6a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column14276_ddc3f0-6a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column14276_ddc3f0-6a{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14276_ddc3f0-6a{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column14276_ddc3f0-6a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column14276_ddc3f0-6a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14276_ddc3f0-6a\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading14276_dfd3bc-bd, .wp-block-kadence-advancedheading.kt-adv-heading14276_dfd3bc-bd[data-kb-block=\"kb-adv-heading14276_dfd3bc-bd\"]{margin-bottom:var(--global-kb-spacing-xs, 1rem);text-align:center;font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading14276_dfd3bc-bd[data-kb-block=\"kb-adv-heading14276_dfd3bc-bd\"]{display:flex;gap:0.25em;justify-content:center;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading14276_dfd3bc-bd[data-kb-block=\"kb-adv-heading14276_dfd3bc-bd\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading14276_dfd3bc-bd[data-kb-block=\"kb-adv-heading14276_dfd3bc-bd\"] .kb-adv-heading-icon{color:var(--global-palette1, #3182CE);}.wp-block-kadence-advancedheading.kt-adv-heading14276_dfd3bc-bd mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14276_dfd3bc-bd[data-kb-block=\"kb-adv-heading14276_dfd3bc-bd\"] mark.kt-highlight{font-style:normal;color:var(--global-palette6, #718096);-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading14276_dfd3bc-bd img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14276_dfd3bc-bd[data-kb-block=\"kb-adv-heading14276_dfd3bc-bd\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14276_dfd3bc-bd, .wp-block-kadence-advancedheading.kt-adv-heading14276_dfd3bc-bd[data-kb-block=\"kb-adv-heading14276_dfd3bc-bd\"]{text-align:center!important;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading14276_dfd3bc-bd[data-kb-block=\"kb-adv-heading14276_dfd3bc-bd\"]{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading14276_dfd3bc-bd, .wp-block-kadence-advancedheading.kt-adv-heading14276_dfd3bc-bd[data-kb-block=\"kb-adv-heading14276_dfd3bc-bd\"]{padding-bottom:0px;text-align:center!important;}.wp-block-kadence-advancedheading.kt-adv-heading14276_dfd3bc-bd[data-kb-block=\"kb-adv-heading14276_dfd3bc-bd\"]{justify-content:center;}}<\/style><p class=\"kt-adv-heading14276_dfd3bc-bd wp-block-kadence-advancedheading kt-adv-heading-has-icon\" data-kb-block=\"kb-adv-heading14276_dfd3bc-bd\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-fas_phone-square kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 448 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M400 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zM94 416c-7.033 0-13.057-4.873-14.616-11.627l-14.998-65a15 15 0 0 1 8.707-17.16l69.998-29.999a15 15 0 0 1 17.518 4.289l30.997 37.885c48.944-22.963 88.297-62.858 110.781-110.78l-37.886-30.997a15.001 15.001 0 0 1-4.289-17.518l30-69.998a15 15 0 0 1 17.16-8.707l65 14.998A14.997 14.997 0 0 1 384 126c0 160.292-129.945 290-290 290z\"\/><\/svg><\/span><span class=\"kb-adv-text-inner\"><a href=\"tel:1-866-760-3993\" data-type=\"tel\" data-id=\"tel:1-866-760-3993\"><mark class=\"kt-highlight\">Appelez-nous une estimation gratuite <\/mark><\/a><\/span><\/p>\n\n<style>.wp-block-kadence-advancedbtn.kb-btns14276_2183b2-e9{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:center;align-items:center;}.kt-btns14276_2183b2-e9 .kt-button{font-weight:normal;font-style:normal;}.kt-btns14276_2183b2-e9 .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns14276_2183b2-e9 .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns14276_2183b2-e9 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns14276_2183b2-e9 .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns14276_2183b2-e9 .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns14276_2183b2-e9 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns14276_2183b2-e9 .kt-btn-wrap-0 .kt-button:focus{background:#444444;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns14276_2183b2-e9{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn.kb-btns14276_2183b2-e9{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns14276_2183b2-e9\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn14276_2dbd5e-1a.kb-button{width:initial;}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn14276_2dbd5e-1a.kb-button{font-size:var(--global-kb-font-size-sm, 0.9rem);}}<\/style><a class=\"kb-button kt-button button kb-btn14276_2dbd5e-1a kt-btn-size-standard kt-btn-width-type-auto kb-btn-global-inherit kt-btn-has-text-true kt-btn-has-svg-true wp-block-button__link wp-block-kadence-singlebtn\" href=\"https:\/\/twinn.ca\/fr\/contact\/\"><span class=\"kt-btn-inner-text\">Contacter Maintenant<\/span><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRightCircle kt-btn-icon-side-right\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polyline points=\"12 16 16 12 12 8\"\/><line x1=\"8\" y1=\"12\" x2=\"16\" y2=\"12\"\/><\/svg><\/span><\/a><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"is-an-hsa-right-for-your-workplace\">Un compte sant\u00e9 convient-il \u00e0 votre entreprise ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tous les r\u00e9gimes n\u2019ont pas besoin d\u2019un compte de d\u00e9penses de frais de sant\u00e9, mais pour beaucoup d\u2019employeurs, c\u2019est un atout majeur. Voici comment savoir si c\u2019est le bon choix : <\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items14276_094a11-23:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14276_094a11-23 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14276_094a11-23 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items14276_094a11-23 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items14276_094a11-23 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items14276_094a11-23 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-14276_bc0b95-0e .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14276_bc0b95-0e\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Contraintes budg\u00e9taires?<\/strong><br>Offrez une couverture utile sans alourdir vos primes.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14276_dc7c83-af .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14276_dc7c83-af\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Une \u00e9quipe de petite et moyenne taille?<\/strong><br>Id\u00e9al pour les PME qui ne peuvent justifier un r\u00e9gime traditionnel.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14276_1fd7fc-bf .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14276_1fd7fc-bf\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>\u00c9quipe aux besoins vari\u00e9s ?<\/strong><br>Chaque employ\u00e9 utilise le compte \u00e0 sa fa\u00e7on : lunettes, th\u00e9rapie, soins dentaires\u2026 la flexibilit\u00e9 est un gros avantage.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14276_d65de1-20 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14276_d65de1-20\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Vous cherchez \u00e0 combler les lacunes dans la couverture?<\/strong><br>En compl\u00e9ment d\u2019un r\u00e9gime collectif, le compte sant\u00e9 couvre ce que l\u2019assurance oublie, notamment les soins param\u00e9dicaux ou la vue. <\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14276_4affa3-a8 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14276_4affa3-a8\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Vous voulez am\u00e9liorer le retour sur investissement des avantages sociaux?<\/strong><br>Vous fixez le budget, vous b\u00e9n\u00e9ficiez de la d\u00e9duction fiscale, et vos employ\u00e9s voient une vraie valeur ajout\u00e9e. R\u00e9sultat : un avantage \u00e0 fort impact, sans gaspillage.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-14276_5147bd-e0 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-14276_5147bd-e0\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Quand ce n\u2019est pas la meilleure option :<\/strong><br>Dans les grandes entreprises syndiqu\u00e9es ou tr\u00e8s structur\u00e9es, un compte de d\u00e9penses de frais de sant\u00e9 fonctionne mieux en compl\u00e9ment qu\u2019en solution principale.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Si vous cherchez flexibilit\u00e9, efficacit\u00e9 fiscale et personnalisation, le compte de d\u00e9penses de frais de sant\u00e9 m\u00e9rite votre attention.<\/p>\n<\/blockquote>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading14276_77a393-47, .wp-block-kadence-advancedheading.kt-adv-heading14276_77a393-47[data-kb-block=\"kb-adv-heading14276_77a393-47\"]{margin-bottom:var(--global-kb-spacing-xxs, 0.5rem);font-size:var(--global-kb-font-size-xl, 3rem);line-height:1.2;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading14276_77a393-47 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading14276_77a393-47[data-kb-block=\"kb-adv-heading14276_77a393-47\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading14276_77a393-47 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading14276_77a393-47[data-kb-block=\"kb-adv-heading14276_77a393-47\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading14276_77a393-47 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading14276_77a393-47\">Des questions? On a les r\u00e9ponses. <\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Vous avez encore quelques points d\u2019interrogation? <\/em>Voici quelques r\u00e9ponses rapides aux pr\u00e9occupations courantes des employeurs et des employ\u00e9s.<\/p>\n\n\n<style>.kadence-column14276_0a5999-f6 > .kt-inside-inner-col,.kadence-column14276_0a5999-f6 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column14276_0a5999-f6 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column14276_0a5999-f6 > .kt-inside-inner-col{flex-direction:column;}.kadence-column14276_0a5999-f6 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column14276_0a5999-f6 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column14276_0a5999-f6{position:relative;}@media all and (max-width: 1024px){.kadence-column14276_0a5999-f6 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column14276_0a5999-f6 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column14276_0a5999-f6 inner-column-1\"><div class=\"kt-inside-inner-col\">\n<div class=\"wp-block-wpsp-faq wpsp-faq__outer-wrap wpsp-block-d2528127 wpsp-faq-icon-row wpsp-faq-layout-accordion wpsp-faq-expand-first-false wpsp-faq-inactive-other-true wpsp-faq-equal-height\" data-faqtoggle=\"true\" role=\"tablist\"><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"@id\":\"https:\/\/twinn.ca\/fr\/compte-depenses-frais-sante\/\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>Un employ\u00e9 peut-il utiliser son compte pour les frais de sa famille ?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. La plupart des comptes sant\u00e9 permettent de r\u00e9clamer des frais admissibles pour le conjoint et les personnes \u00e0 charge, selon la d\u00e9finition de l\u2019ARC.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>Que se passe-t-il avec les fonds non utilis\u00e9s si l\u2019employ\u00e9 quitte l\u2019entreprise ?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Un DCPP est un r\u00e9gime de pension enregistr\u00e9 avec des cotisations obligatoires de l\u2019employeur et des exigences r\u00e9glementaires pr\u00e9cises. Un REER collectif est un r\u00e9gime d\u2019\u00e9pargne enregistr\u00e9 plus flexible, avec cotisations volontaires des employ\u00e9s et administration simplifi\u00e9e. Certains employeurs proposent les deux pour combiner structure et flexibilit\u00e9.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>Y a-t-il une limite de cotisation au Canada ?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Il n\u2019y a pas de plafond fix\u00e9 par l\u2019ARC, mais la majorit\u00e9 des employeurs offrent entre 500 $ et 2 500 $ par an. Le montant doit rester raisonnable et conforme aux r\u00e8gles d\u2019un r\u00e9gime de sant\u00e9.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>Le compte peut-il servir \u00e0 payer des soins alternatifs ?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, si le praticien est reconnu et que le soin est admissible selon l\u2019ARC. Cela inclut par exemple les naturopathes, acupuncteurs ou chiropraticiens.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>En quoi les comptes de d\u00e9penses de sant\u00e9 sont-ils diff\u00e9rents des comptes de d\u00e9penses de mieux-\u00eatre?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"En quoi les comptes de d\u00e9penses de sant\u00e9 sont-ils diff\u00e9rents des comptes de d\u00e9penses de mieux-\u00eatre?\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>Les petites entreprises peuvent-elles offrir un compte de d\u00e9penses de sant\u00e9?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Absolument. C\u2019est m\u00eame souvent la meilleure option pour les petites \u00e9quipes. Les co\u00fbts sont pr\u00e9visibles, aucune prime d\u2019assurance collective n\u2019est n\u00e9cessaire, et l\u2019ouverture peut se faire facilement via un fournisseur ou un tiers administrateur.\"}}]}<\/script><div class=\"wpsp-faq__wrap wpsp-buttons-layout-wrap\">\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-fe7b640c\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong><strong>Un employ\u00e9 peut-il utiliser son compte pour les frais de sa famille ?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Oui. La plupart des comptes sant\u00e9 permettent de r\u00e9clamer des frais admissibles pour le conjoint et les personnes \u00e0 charge, selon la d\u00e9finition de l\u2019ARC.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-16e4b124\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong><strong>Que se passe-t-il avec les fonds non utilis\u00e9s si l\u2019employ\u00e9 quitte l\u2019entreprise ?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Un DCPP est un r\u00e9gime de pension enregistr\u00e9 avec des cotisations obligatoires de l\u2019employeur et des exigences r\u00e9glementaires pr\u00e9cises. Un REER collectif est un r\u00e9gime d\u2019\u00e9pargne enregistr\u00e9 plus flexible, avec cotisations volontaires des employ\u00e9s et administration simplifi\u00e9e. Certains employeurs proposent les deux pour combiner structure et flexibilit\u00e9.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-be1c998a\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong><strong>Y a-t-il une limite de cotisation au Canada ?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Il n\u2019y a pas de plafond fix\u00e9 par l\u2019ARC, mais la majorit\u00e9 des employeurs offrent entre 500 $ et 2 500 $ par an. Le montant doit rester raisonnable et conforme aux r\u00e8gles d\u2019un r\u00e9gime de sant\u00e9.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-1775f8a8\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong><strong>Le compte peut-il servir \u00e0 payer des soins alternatifs ?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Oui, si le praticien est reconnu et que le soin est admissible selon l\u2019ARC. Cela inclut par exemple les naturopathes, acupuncteurs ou chiropraticiens.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-f9486dd6\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong><strong>En quoi les comptes de d\u00e9penses de sant\u00e9 sont-ils diff\u00e9rents des comptes de d\u00e9penses de mieux-\u00eatre?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>En quoi les comptes de d\u00e9penses de sant\u00e9 sont-ils diff\u00e9rents des comptes de d\u00e9penses de mieux-\u00eatre?<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-ceda7f8d\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong><strong>Les petites entreprises peuvent-elles offrir un compte de d\u00e9penses de sant\u00e9?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Absolument. C\u2019est m\u00eame souvent la meilleure option pour les petites \u00e9quipes. Les co\u00fbts sont pr\u00e9visibles, aucune prime d\u2019assurance collective n\u2019est n\u00e9cessaire, et l\u2019ouverture peut se faire facilement via un fournisseur ou un tiers administrateur.<\/p><\/span><\/div><\/div><\/div><\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"bottom-line\">En bref,<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un compte de d\u00e9penses de frais de sant\u00e9 n\u2019est pas qu\u2019un avantage de plus, c\u2019est une solution intelligente et \u00e9volutive pour offrir une couverture pertinente, tout en gardant votre strat\u00e9gie d\u2019avantages sociaux flexible et rentable.<br>En offrant plus de choix et de contr\u00f4le \u00e0 vos employ\u00e9s, vous am\u00e9liorez leur exp\u00e9rience tout en cr\u00e9ant un r\u00e9gime qui refl\u00e8te leurs besoins r\u00e9els.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous voulez un r\u00e9gime plus efficace, plus souple et plus humain ? Le compte de d\u00e9penses de frais de sant\u00e9 est un excellent point de d\u00e9part.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Imaginez ceci : Votre \u00e9quipe comprend un coureur de marathon qui a besoin de physioth\u00e9rapie, un parent qui g\u00e8re les&#8230;<\/p>\n","protected":false},"author":15,"featured_media":14152,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_gspb_post_css":"","_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[106],"tags":[],"post_folder":[],"class_list":["post-14276","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-comptes-de-depenses-de-soins-de-sante"],"acf":[],"taxonomy_info":{"category":[{"value":106,"label":"Comptes de d\u00e9penses de soins de sant\u00e9"}]},"featured_image_src_large":["https:\/\/twinn.ca\/wp-content\/uploads\/2025\/07\/confident-ambitious-businesswoman-hearing-about-health-spending-account-1024x682.webp",1024,682,true],"author_info":{"display_name":"Rafat Haque","author_link":"https:\/\/twinn.ca\/fr\/author\/rafat-haque\/"},"comment_info":0,"category_info":[{"term_id":106,"name":"Comptes de d\u00e9penses de soins de sant\u00e9","slug":"comptes-de-depenses-de-soins-de-sante","term_group":0,"term_taxonomy_id":106,"taxonomy":"category","description":"","parent":0,"count":1,"filter":"raw","cat_ID":106,"category_count":1,"category_description":"","cat_name":"Comptes de d\u00e9penses de soins de sant\u00e9","category_nicename":"comptes-de-depenses-de-soins-de-sante","category_parent":0}],"tag_info":false,"_links":{"self":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/posts\/14276","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/users\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/comments?post=14276"}],"version-history":[{"count":0,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/posts\/14276\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/media\/14152"}],"wp:attachment":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/media?parent=14276"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/categories?post=14276"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/tags?post=14276"},{"taxonomy":"post_folder","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/post_folder?post=14276"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}