Today I'm excited to host Justin Manning, a licensed life & health insurance broker from BC, to talk about a topic I've been getting many questions on lately: Health Spending Accounts, HSAs.

Discussion Points:
- Justin's background (4:05)
- What is an HSA/PHSP (4:45)
- HSA eligibility (5:42)
- Who could benefit from an HSA? (9:45)
- What services are covered by an HSA? (11:20)
- Can travel insurance be covered by an HSA? (13:29)
- Specific services covered/not covered by an HSA (14:20)
- The mechanics of how an HSA works (16:55)
- How much coverage are we allowed through an HSA? (19:49)
- Plan customization, wellness spending accounts (22:22)
- Set up, key questions, costs (26:26)
- Any HSA cons (?), potential misuse (32:28)
- No need to prove health (36:38)
- Can provincial plans like OPIP be paid through by our corporation (37:17)
- Justin's closing thoughts, what if I already have a good group plan? (38:37)
- My perspectives (42:30)

This episode features Arya EHR - https://www.aryaehr.com/

**I endorse only products/services I personally use or would use. Any income generated offsets the costs of running this podcast :)

Yatin:

• Email: beyondmdpodcast@gmail.com 
• LinkedIn: Yatin Chadha
• Amex credit card referral link: https://americanexpress.com/en-ca/referral/business-platinum?ref=yATINC4uFw&XLINK=MYCP

Justin:

• https://www.linkedin.com/in/justin-manning/
• https://justinmanning.com/
• hello@justinmanning.com