Health Benefits
Should Be Simple
We built Frontier HSA because small business owners deserve better than overpriced insurance that barely covers anything.
The Problem We Saw
As small business owners ourselves, we got tired of the same story: pay hundreds of dollars a month for insurance, then find out half of what we needed wasn't covered anyway.
We'd hear "sorry, that's not covered" or "you haven't hit your deductible yet." Meanwhile, insurance companies kept posting record profits.
Then we discovered Health Spending Accounts. A decades-old, CRA-approved way to cover medical expenses that insurance companies don't want you to know about.
"Why isn't everyone using this?"
Insurance companies don't advertise it—HSAs cut into their business. And the existing providers buried it under paperwork, faxes, and multi-week wait times. We built something simpler.
What We Built
Frontier Health provides a modern Health Spending Account (HSA) platform—a type of Private Health Services Plan (PHSP) approved by the CRA. Our HSA administration is designed for how people actually work today. No paperwork. No faxes. No waiting weeks to see your money.
Fast Claims
Submit a claim in 30 seconds. Get reimbursed in 2-3 business days. Not weeks.
Simple Pricing
One annual fee. One percentage on claims. No hidden costs. No surprises.
CRA-Compliant
We handle the compliance so you don't have to worry about it.
Actually Helpful
Real support from real people who understand small business.
Transparency Over Fine Print
Our pricing is on the website. Our terms are clear. We don't hide things in fine print or make you call to find out what something costs.
Small Business Matters
Big corporations get benefits departments and negotiated rates. Small business owners deserve good options too. That's who we built this for.
Keep It Simple
Healthcare is complicated enough. Getting reimbursed shouldn't be. We removed everything that doesn't need to be there.
Trust & Compliance
As a PHSP provider in Canada, Frontier Health ensures your Health Spending Account is fully CRA-compliant.
CRA-Compliant PHSP
Frontier Health administers Private Health Services Plans (PHSPs) that meet all CRA requirements under the Income Tax Act.
Eligibility Verification
We verify your business qualifies before you pay anything.
Audit-Ready Records
Complete documentation for your accountant and any CRA inquiries.
Ready to try a better way?
Set up your Health Spending Account in 10 minutes. See why small business owners are making the switch.