Dental
Cleanings, fillings, crowns, braces, implants
Stop Paying for Health Benefits You Barely UseWith a Health Spending Account
A Health Spending Account costs less, covers more, and saves you thousands in taxes.
You pay hundreds each month. Premiums go up every year. And when you actually need something covered?
Sorry, that's not covered
Sorry, you haven't hit your deductible
Sorry, that's a pre-existing condition
Sorry, you've maxed out your annual limit
Meanwhile, insurance companies post record profits.
There's a reason they don't want you to know about Health Spending Accounts.
The Solution
What if you just... paid for what you need?
A Health Spending Account (HSA) can let an eligible corporation reimburse medical expenses through a Private Health Services Plan (PHSP). With Frontier HSA, there are no monthly premiums or deductibles.
The tax treatment depends on the plan meeting the applicable requirements. See the CRA's current PHSP guidance.
Health Insurance
Monthly premiums$200-500/month
Deductible$250
Co-pays20-40%
Annual capsUsually yes
What's coveredThey decide
Pre-existing conditionsLimited or denied
Price stabilityIncreases yearly
Health Spending Account
Monthly premiums$0
DeductibleNone
Co-paysNone
Annual capsYou set the limit
What's coveredEligible under CRA and plan rules
Pre-existing conditionsNo health underwriting
Platform fee$0/year
“The claim and reimbursement process was quick.”
Coverage
What Can You Actually Claim?
Eligible when allowed by CRA rules, the plan terms, and the required documentation.
Check the CRA's current medical-expense guidance and your plan documents before submitting a claim.
See every eligible expenseVision
Eye exams, glasses, contacts, laser eye surgery
Prescriptions
Any prescription medication
Therapy
Physio, massage, chiro, acupuncture, mental health
Medical
Doctor visits, lab tests, X-rays, specialists
Family
Eligible expenses for your spouse and dependants
And more: orthotics, hearing aids, fertility treatments, medical equipment, and other CRA-eligible care.
Let's say you have $5,000/year in medical expenses and a 40% tax rate
Paying out of pocket:
- Medical expense: $5,000
- Pre-tax income needed: $8,333
You need to earn:
$8,333
Just to have $5,000 after taxes
With Frontier HSA:
- Medical expense: $5,000
- Admin fee (8%): $400
Total business cost:
$5,400
100% tax-deductible
Estimated savings
$2,933/year
Ready to start? Setup takes 10 minutes.
Is This A Fit?
Who Frontier HSA Is Best For
Great fit if:
- You actively work for an incorporated business in Canada
- You want to reimburse medical expenses tax-efficiently
- You prefer pay-as-you-go benefits over fixed premiums
Not the best fit if:
- You are not incorporated yet
- You need life or disability insurance included
- You want a plan with no annual reimbursement budget
“Simple, Straight forward, user friendly and efficient”
Pricing
One plan
$0/year
+ 8% admin fee on approved claims
Examples
$0 in claims$0 fee
$1,000 in claims$80 fee
$3,000 in claims$240 fee
What's included
- No setup fee
- Dependants included
- Unlimited employees
- Cancel anytime
What is an HSA?
An HSA allows employers to allocate tax-free funds for employee medical expenses. Employees pay out-of-pocket, submit claims, and receive tax-free reimbursements. Employers deduct these costs as business expenses, reducing taxable income while providing flexible benefits.
Who can use this?
An incorporated business owner may use Frontier HSA as a shareholder-employee when they actively work in the corporation's day-to-day operations and receive the benefit because of that employment, not simply because they own shares. T4 salary or bonus is Frontier's preferred evidence of an employer-employee relationship, but it is not the only possible evidence. Dividends do not establish an employment relationship. Under Frontier's eligibility policy, a shareholder-employee who receives only dividends must provide other documentation supporting a genuine employment or officer role and have their corporate accountant confirm the arrangement.
Can I use this AND have insurance?
Yes. Many people use an HSA for things insurance doesn't cover (or to cover deductibles and co-pays). Or you can ditch insurance entirely. Your call.
How fast do I get reimbursed?
Most claims are processed and reimbursed within 24 hours.
What if I don't use it much this year?
You pay nothing. There's no annual fee — you only pay when you submit a claim. No wasted premiums like insurance.
Is there a limit on how much I can claim?
You set your own annual limit (talk to your accountant). Most people set $5,000-15,000 per family.
Ready to stop overpaying?
Set up your Health Spending Account in 10 minutes. Start claiming expenses immediately. Wonder why you ever paid for insurance.