Pay-as-you-go Health Spending Account for incorporated Canadians. No annual fee, 8% of claims, and fast reimbursements for dental, vision, prescriptions, therapy, and other eligible medical expenses.
A startup from Crossfield, Canada, founded by Benji Visser, Mitchell Visser, Matthias Visser.
This page is designed to help you find out whether Frontier HSA is good and if it is the right choice for you.
Frontier HSA is a pay-as-you-go Health Spending Account (HSA) built for incorporated Canadians and small businesses. Unlike traditional group insurance, Frontier HSA operates on a cost-plus Private Health Services Plan (PHSP) structure, meaning your corporation only pays when employees actually incur eligible medical expenses. No monthly premiums. No deductibles. No wasted spend.
How it works:
Your corporation sets an annual health benefit for each employee class Employees submit receipts for CRA-eligible medical expenses through the Frontier app or web portal Claims are reviewed and reimbursed via EFT, most within 24 hours The corporation is invoiced for the claim amount plus an 8% administration fee All reimbursements are 100% tax-deductible for the corporation and tax-free for the employee
What's covered:
Dental, vision, prescriptions, physiotherapy, chiropractic, massage therapy, mental health services, fertility treatments, medical devices, laser eye surgery, and hundreds of other CRA-eligible expenses.
Who it's for:
Incorporated professionals, small business owners, and Canadian companies looking for a flexible, cost-effective alternative to traditional group health insurance. Key features:
No annual fee 8% admin fee on claims only Same-day EFT reimbursement Full CRA compliance (PHSP under ITA s.248(1)) Searchable eligible expense database covering 180+ expenses Supports multiple employee classes and coverage limits
Built in Calgary. Canadian owned and operated.
Listed in
Tax Advantages
Frontier HSA offers a Health Spending Account structure that allows Canadian business owners and incorporated professionals to convert after-tax personal medical expenses into pre-tax business deductions, resulting in significant tax savings.
Flexible Coverage
HSAs through Frontier allow plan members to claim a wide range of eligible medical and dental expenses as defined by the CRA, providing broader coverage than many traditional group insurance plans without the restrictions of predetermined benefit categories.
No Medical Underwriting
Frontier HSA does not require medical questionnaires or underwriting, meaning there are no pre-existing condition exclusions. All employees and their dependents can be covered regardless of their health status.
Ideal for Small Businesses
Frontier HSA is well-suited for small businesses, sole proprietors, and incorporated professionals who may not have enough employees to qualify for or justify traditional group benefits plans, making health benefits accessible to smaller organizations.
Simple Plan Administration
Frontier HSA offers a straightforward claims process and plan administration, reducing the administrative burden on business owners compared to managing traditional group insurance plans with complex policy terms and renewals.
Frontier HSA is built specifically for incorporated Canadians, not adapted from a US product or bolted onto an insurance platform. It operates as a true cost-plus PHSP with no monthly fees, no annual fees, and no premiums. You only pay an 8% admin fee when a claim is actually made. Most claims are reimbursed same day via EFT. The platform includes a searchable database of 180+ CRA-eligible expenses so plan members always know what they can claim before they submit.
No monthly fees and no setup costs make Frontier the lowest-friction entry point in the market. Competitors like Olympia and Lively charge annual or monthly administration fees regardless of usage. Frontier charges only when claims are made. Setup takes 10 minutes, the eligible expense database is the most comprehensive available for Canadian users, and claims are processed same day. Built and supported in Canada by a team that understands the CRA rules inside out.
Incorporated Canadian business owners and small businesses looking for a tax-efficient alternative to traditional group health insurance. This includes incorporated professionals, consultants, contractors, realtors, farmers, and any small business with employees who want flexible, predictable health benefits without monthly premiums.
Frontier HSA was founded in Calgary by Benji and Matthias Visser after Benji spent two years paying $500 a month for group health insurance he barely used. When he discovered that incorporated Canadians could run medical expenses through their corporation tax free via a PHSP, he realized most business owners had no idea this existed. Frontier HSA was built to make that process simple, compliant, and accessible to any incorporated Canadian.
Frontier HSA is built on a modern web stack with a React frontend, Node.js backend, and cloud infrastructure on AWS. Claims are processed programmatically against CRA eligibility criteria with EFT reimbursements handled through Canadian banking integrations.
We have collected here some useful links to help you find out if Frontier HSA is good.
Check the traffic stats of Frontier HSA on SimilarWeb. The key metrics to look for are: monthly visits, average visit duration, pages per visit, and traffic by country. Moreoever, check the traffic sources. For example "Direct" traffic is a good sign.
Check the "Domain Rating" of Frontier HSA on Ahrefs. The domain rating is a measure of the strength of a website's backlink profile on a scale from 0 to 100. It shows the strength of Frontier HSA's backlink profile compared to the other websites. In most cases a domain rating of 60+ is considered good and 70+ is considered very good.
Check the "Domain Authority" of Frontier HSA on MOZ. A website's domain authority (DA) is a search engine ranking score that predicts how well a website will rank on search engine result pages (SERPs). It is based on a 100-point logarithmic scale, with higher scores corresponding to a greater likelihood of ranking. This is another useful metric to check if a website is good.
The latest comments about Frontier HSA on Reddit. This can help you find out how popualr the product is and what people think about it.
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Is Frontier HSA good? This is an informative page that will help you find out. Moreover, you can review and discuss Frontier HSA here. The primary details have not been verified within the last quarter, and they might be outdated. If you think we are missing something, please use the means on this page to comment or suggest changes. All reviews and comments are highly encouranged and appreciated as they help everyone in the community to make an informed choice. Please always be kind and objective when evaluating a product and sharing your opinion.
