Health benefits.
Without monthly premiums.

A pay-as-you-go Health Spending Account for incorporated Canadian businesses and their employees.

Set up my HSA
Frontier HSA / Employee account

Welcome back, Jamie

$1,500.00

Available · $500.00 of $2,000.00 used

Recent claims

ClaimAmountStatus
$180.00Paid
$95.00Paid
$225.00Paid
Explore the app. Sample data only; claim timing is illustrative.
“Simple, Straight forward, user friendly and efficient”
Chirag · Trustpilot · June 2026

Put eligible healthcare expenses through your business.

An HSA lets your corporation reimburse eligible medical expenses. When the business and plan meet the applicable requirements, reimbursements can be deductible to the corporation and tax-free to the employee.

Estimate your tax savingsSee eligibility requirements

Here’s how a $180 dental claim works.

  1. 1

    Your employee submits $180.

  2. 2

    Your business pays $194.40 + tax.

    $180 claim + $14.40 fee (8%)

  3. 3

    Your employee gets $180 back.

See pricing

You don’t pay for unused benefits.

Traditional insurance charges premiums for coverage. With Frontier HSA, your business pays when an eligible claim is approved.

Traditional group insurance compared with Frontier HSA
Traditional group insuranceFrontier HSA
Monthly premiumsPaid whether employees claim or not.Pay as you goApproved claims + 8% admin fee + applicable taxes.
Unused benefitsPremiums still apply when benefits go unused.No claims, no costYou don’t pay for unused annual limits.
Limits by benefitThe policy sets covered services and their limits.Flexible spendingEmployees can spend on any eligible expense, with no category caps—up to their annual limit.

An HSA reimburses expenses up to the plan limit; it doesn’t replace life or disability insurance. You can use Frontier HSA alongside insurance, subject to both plans’ terms.

Compare HSAs and insurance

From dental visits to therapy.

See which healthcare expenses your team can claim and what each one requires.

Illustration of a tooth holding a toothbrush

Dental cleanings

Routine cleanings with your dentist or dental hygienist.

Illustration of eyeglasses and an eye

Vision care

Eye exams and vision tests with an optometrist.

Illustration of a prescription bottle and capsules

Prescription medication

Medication you pick up from a pharmacist with a prescription.

Illustration of a knee supported by a resistance band

Physiotherapy

Treatment and rehabilitation with a licensed physiotherapist.

Illustration of conversation bubbles and a brain

Psychology

Counselling, therapy, and assessments with a psychologist.

Illustration of a spine supported by two hands

Chiropractic care

Appointments and adjustments with a licensed chiropractor.

Illustration of a fertility lab dish and dropper

IVF

In vitro fertilization and related medical costs.

Illustration of massage therapy and folded towels

Massage therapy

Treatment with an eligible registered massage therapist.

See all eligible expenses
“Claim was processed nearly immediately.”
Dana S · Trustpilot · June 2026

Set the limit. Pay for what’s claimed.

Set an annual claim limit for each eligible employee. You pay nothing upfront. Your business funds claims as they’re approved, plus the fee and applicable taxes. Unused limits cost you nothing.

Set up my HSA
Illustration of a receipt and coinsSee pricingSee how the fee and taxes add up on a claim.Illustration of a calculator and coinEstimate your savingsCompare paying through your business with paying out of pocket.Illustration of a clipboard with a checkmarkCheck your eligibilityFind out whether your business can use Frontier HSA.
“The claim and reimbursement process was quick.”
Siva K · Trustpilot · May 2026

FAQ