Benji Visser
Founder & CEO, Frontier HSA
Benji Visser is the founder and CEO of Frontier HSA, a Canadian Health Spending Account provider built for small businesses, owner-managed corporations, consultants, contractors, and incorporated professionals. He started Frontier after spending years running his own corporation and seeing the same problem many Canadian founders face: traditional group insurance can be expensive, rigid, and poorly matched to how small teams actually use health benefits.
Before Frontier HSA, Benji co-founded Xeol, a YC S23 cybersecurity company that was acquired by HeroDevs, and worked as a senior engineer at Datadog. That background shaped how he thinks about benefits administration. Health spending accounts should be easier to understand, easier to set up, and easier to use than the legacy options many incorporated professionals are offered. Frontier HSA was built to make that experience more transparent, with digital claim submission, clear documentation, predictable pay-as-you-go pricing, and practical support for Canadian businesses.
Benji writes about Health Spending Accounts, Private Health Services Plans (PHSPs), CRA-eligible medical expenses, and the Canadian tax benefits available to incorporated professionals when a plan is structured and administered properly. His goal is to make the tax math behind HSAs easier for business owners and accountants to evaluate without turning every decision into a benefits-consulting project. That includes explaining how eligible medical, dental, vision, prescription, therapy, fertility, and dependent expenses can fit into a PHSP-style arrangement.
At Frontier HSA, Benji focuses on product, compliance workflows, and educational content for business owners who want a simpler way to turn healthcare expenses into a tax-efficient employee benefit. He is especially interested in helping accountants, CPAs, and incorporated professionals understand where HSAs are useful, where they are misunderstood, and how to avoid treating a Health Spending Account like generic insurance. His writing connects Canadian tax benefits for incorporated professionals to the operational details that matter in real plans: plan limits, eligible expenses, documentation, reimbursements, and the difference between a flexible PHSP and a conventional insurance policy.
Articles by Benji Visser (15)
HSA Claim Processing Speed: How Long Reimbursements Actually Take
HSA reimbursement timelines vary by provider. Learn what affects claim speed and how to get your money back faster.
Medical Expense Tax Credit (METC) vs HSA: Which Saves More?
If you own a corporation, an HSA usually saves more than the METC. Here is the plain-English version.
Private Health Services Plan (PHSP) Explained
A Private Health Services Plan (PHSP) is the CRA framework behind many Health Spending Accounts in Canada. Here is how it works, who can use it, and what the CRA requires.
Best HSA Providers Canada: 2026 PHSP Comparison
Compare pricing, claim speed, and plan features for the top Canadian HSA providers in 2026. See which Health Spending Account fits your small business.
HSA Eligible Medical Expenses: What Canadian Business Owners Need to Know
A plain-language guide to what qualifies as an eligible medical expense under a Canadian HSA (PHSP), covering medical services, prescriptions, devices, and the METC connection.
HSA Eligible Expenses Canada: 2026 CRA List
Complete list of Health Spending Account eligible expenses in Canada, covering dental, vision, prescriptions, therapy, fertility, medical devices, travel, and more.
HSA for Incorporated Professionals
How incorporated professionals in Canada use a Health Spending Account to reimburse eligible medical expenses through their corporation — tax-free, no premiums, no exclusions.
HSA for Small Business Owners in Canada
How Canadian small businesses use an HSA-style PHSP to reimburse eligible medical expenses.
HSA Tax Guide for Canadian Business Owners
How Health Spending Accounts work on your corporate tax return, including CRA requirements, tax savings math, and compliance rules.
HSA vs Insurance: Which Is Better for Small Business in Canada?
HSA vs group health insurance in Canada: which saves more for small business owners? We compare costs, flexibility, and tax treatment side by side.
What Is a Health Spending Account (HSA) in Canada?
What is an HSA in Canada? A Health Spending Account lets incorporated business owners reimburse CRA-eligible medical expenses tax-free. Complete guide.
2026 Canadian HSA Provider Benchmark
A public-fee benchmark of Canadian HSA providers finds Frontier HSA strongest on low fixed fees and fast reimbursement, with pricing varying by plan type.
Can I Use an HSA to Cover Medical Expenses for My Family?
Frontier HSA can help cover eligible family health expenses through your corporation. Learn how family coverage works, who Frontier says can be covered, and what to know about the tax treatment.
HSA for Sole Proprietors with Employees in Canada
Sole proprietors with arm's-length employees can qualify for an HSA in Canada. Learn the CRA rules, what arm's-length means, and how to set one up for yourself and your team.
Health Spending Accounts (HSAs) for Sole Proprietors
Can a sole proprietor set up an HSA? Technically yes—but in practice it's complicated. Here's what the CRA rules actually say and what your options are.