For Canadian Small Businesses

Stop Paying for Health Insurance You Barely UseWith a Health Spending Account in Canada

There's a smarter way to cover your health expenses. A Health Spending Account costs less, covers more, and saves you thousands in taxes. Insurance companies just hope you never find out.

Start My HSA SetupEstimate My Tax Savings
CRA-compliantSetup in 10 minutesMost claims in 2-3 business days
Is This A Fit?

Who Frontier HSA Is Best For

Great fit if:

  • You have 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
Check eligibility in 60 seconds
The Problem

Health insurance is broken.
You know it.

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) lets your corporation pay for your health expenses directly. No premiums. No deductibles. Just CRA-eligible reimbursements.

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
Better Choice

Health Spending Account

Monthly premiums$0
DeductibleNone
Co-paysNone
Annual capsYou set the limit
What's coveredAnything CRA-eligible
Pre-existing conditionsFully covered
Platform fee$120/year
How It Works

How Frontier HSA Works

Sign up in 10 minutes

Create your account and set an annual limit for yourself (and family).

1

Pay for healthcare like normal

Go to any dentist, pharmacy, physio, or therapist to get the healthcare you want.

2

Submit your receipt

Snap a photo and upload it all in just 30 seconds.

3

Get reimbursed tax-free

Your corporation pays the expense. You get reimbursed. CRA is happy. You save money.

4

That's it. No claim forms. No "is this covered?" No waiting 6 weeks.

Coverage

What Can You Actually Claim?

If the CRA says it's a medical expense, you can claim it.

Dental

Cleanings, fillings, crowns, braces, implants

Vision

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

Your spouse and kids are covered too

And more - Orthotics, hearing aids, fertility treatments, medical equipment...

No pre-approval. No conditions. No "sorry, we don't cover that."

See the full list of eligible expenses →

Start My HSA Setup

Claim all of the above — tax-free

Savings

Do The Math

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

Save $2,800+

With Frontier HSA:

  • Medical expense: $5,000
  • Admin fee (8%): $400
  • Annual fee: $120

Total business cost:

$5,520

100% tax-deductible

Your savings:

$2,813/year

Ready to start? Setup takes 10 minutes.

Trust & Compliance

"Is this CRA-compliant?"

Yes. Completely.

Health Spending Accounts are officially called Private Health Services Plans (PHSP). They've been in Canadian tax law for decades. The CRA explicitly allows them for incorporated businesses, and we verify your setup before activation.

This isn't a loophole or workaround. It's an established Canadian benefits structure designed for incorporated businesses.

CRA-compliant
We verify your eligibility before you sign up
100% Canadian owned, data stored in Canada
Simple annual billing
Pricing

Simple Pricing. No Surprises.

Unlike insurance, you only pay when you actually use it.

For incorporated individuals

Just you + family

$120/year
  • 8% fee on claims
  • No setup fee
  • No hidden charges
Start for $120/year
Popular

For businesses with employees

Cover your whole team

$450/year
  • 5% fee on claims
  • No per-employee fees
  • Team dashboard
Set Up Team Plan

No claims = no claim fees. You only pay when you actually use it.

FAQ

Frequently Asked Questions

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?
Any incorporated business in Canada. If you have a corporation and pay yourself a salary (T4), you're eligible.
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 within 2-3 business days.
What if I don't use it much this year?
Then you just pay the $120 annual fee. 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.

Start My HSA Setup - It's $120/year