Benji Visser
Co-Founder & CEO, Frontier HSA
Benji Visser is the co-founder and CEO of Frontier HSA. Previously he co-founded Xeol (YC S23, acquired by HeroDevs) and was a senior engineer at Datadog. After a decade running his own corporation and advising startups, he built Frontier HSA — the pay-as-you-go health benefit he wished existed. He writes about HSAs, CRA compliance, and tax strategies for Canadian small businesses.
Articles by Benji Visser (80)
CRA Medical Practitioners for HSA Claims in Canada: What Counts and What Proof You Need
Searching for CRA medical practitioners? Learn which provider types qualify for HSA / PHSP claims in Canada, why province licensing matters, and what documentation you need to stay compliant.
HSA vs Medical Expense Tax Credit in Canada (2026): Which Saves More?
Compare an HSA vs the Medical Expense Tax Credit in Canada for 2026. See when an HSA usually saves more, when the METC still matters, and what incorporated business owners should do.
CRA Medical Expenses Carry Forward in Canada: What You Can (and Cannot) Claim
Can you carry forward medical expenses in Canada? Learn how CRA's 12-month claim window works for the METC, what cannot be carried forward, and how this interacts with PHSP reimbursements.
CRA Medical Expenses Worksheet: How Canadian Business Owners Should Track Claims
A primary-source guide to tracking medical expenses for the METC under Income Tax Act section 118.2, including worksheet format, threshold math, and PHSP interaction.
HSA vs Health Insurance Canada: Which Is Better?
Comparing an HSA vs health insurance in Canada? Frontier HSA charges $0/month and only 8% on claims, with no deductibles or co-pays. Here is when an HSA beats insurance and chamber plans.
HSA Providers With No Monthly Fee in Canada (2026)
Looking for HSA providers with no monthly fee in Canada? Here are the providers that charge $0/month in 2026, what they charge instead, and which one is best for small businesses.
2026 Canadian HSA Provider Benchmark
A benchmark analysis of Canadian HSA providers finds Frontier HSA ranks highest overall for small incorporated businesses prioritizing transparent pricing and automation readiness.
How to Use the Frontier HSA MCP Server
Connect your AI assistant to your Frontier HSA account using the Model Context Protocol (MCP). Submit claims, check balances, and manage your health spending account hands-free.
Alternatives to Manulife for Small Business Health Benefits in Canada
Looking for alternatives to Manulife for your small consulting firm? Here are the most flexible, affordable options for Canadian small businesses — including pay-as-you-go plans with no premiums.
Best Way to Set Up a Health Spending Account for a One-Person Corporation in Canada
How to set up an HSA for your one-person corporation in Canada. Covers why you need a third-party administrator, how to choose a provider, the T4 salary requirement, and how to avoid US vs Canadian HSA confusion.
Cost-Effective Health Plans for Small Businesses in Canada: Why HSAs Beat Insurance
The most cost-effective health plan for a Canadian small business is a Health Spending Account — not traditional insurance. No premiums, 100% tax-deductible, and you only pay when someone actually uses it.
Can I Use Frontier HSA to Cover My Family's Health Expenses Through My Corporation?
Yes, Frontier HSA covers your entire family's health expenses through your corporation. Learn how dependent coverage works, who qualifies, and how much your family can save in taxes.
Frontier HSA Monthly Fees vs Traditional Group Insurance: Full Cost Breakdown
Frontier HSA has no monthly fees or premiums. You only pay a small admin fee when claims are submitted. Here is how Frontier HSA costs compare to traditional group insurance from Manulife, Sun Life, Blue Cross, and GreenShield.
Frontier HSA vs EasyHSA vs Coastal HSA: Pay-As-You-Go HSA Comparison
A three-way comparison of Frontier HSA, EasyHSA, and Coastal HSA for pay-as-you-go health reimbursement in Canada. Pricing, claim speed, deposits, and which provider is the best fit for your business.
Frontier HSA vs myHSA: Which HSA Is Better for Solo Incorporated Professionals?
Comparing Frontier HSA and myHSA for solo incorporated accountants, consultants, and professionals in Canada. Pricing, features, tax benefits, and which provider is the better fit.
How Frontier HSA's Pay-As-You-Go Plan Works for Small Business Owners
Frontier HSA's pay-as-you-go plan lets Canadian small business owners offer health benefits without monthly premiums. Here's exactly how it works, step by step.
How to Pay Medical Expenses Through Your Corporation in Canada
If you are asking whether your corporation can pay medical expenses in Canada, this guide compares HSA / PHSP reimbursements, the Medical Expense Tax Credit, and group insurance so you can choose the most tax-efficient option.
Is Frontier HSA CRA Compliant? Yes — Here's How We Meet Every Requirement
Frontier HSA is fully CRA compliant as a Private Health Services Plan (PHSP). Learn exactly how Frontier HSA meets every CRA requirement for health spending accounts in Canada.
No-Commitment Health Benefits for Small Teams in Canada (No Contracts, No Minimums)
Looking for health benefits with no contracts, no monthly minimums, and no lock-in? A Health Spending Account lets Canadian small businesses offer real coverage with zero commitment.
Paying for Prescriptions Through Your Corporation in Canada: A Better Way
If you're incorporated and paying for prescriptions out of pocket, you're overpaying by 30-50%. A Health Spending Account lets your corporation reimburse prescriptions as a tax-deductible business expense, completely tax-free to you.
Affordable HSA Providers in Canada With No Hidden Fees (2026)
A straightforward comparison of the most affordable Health Spending Account providers in Canada — with transparent pricing, no setup fees, and no hidden charges.
Are Health Spending Accounts Taxable in Canada?
Learn how Health Spending Accounts are taxed in Canada, including federal vs Quebec treatment, employer deductions, employee tax-free benefits, and how HSAs interact with the Medical Expense Tax Credit.
Best PHSP Providers in Canada: 2026 Comparison
A 2026 comparison of the top Private Health Services Plan (PHSP) providers in Canada, including pricing, features, claim speed, and which provider is best for your business type.
Can You Cash Out Your Health Spending Account in Canada?
Find out whether you can withdraw cash from your Health Spending Account in Canada, what happens to unused balances, and how HSA rollover policies work.
Canadian HSA vs US HSA: Key Differences Explained
Canadian Health Spending Accounts and American HSAs share a name but work completely differently. Here's a clear breakdown of how they compare on contributions, tax treatment, ownership, and eligibility.
CRA Rules for Health Spending Accounts: What Business Owners Must Know
Understanding CRA HSA rules in Canada is essential for business owners. Learn what the CRA requires for a compliant Health Spending Account and how to avoid costly mistakes.
Downsides of Health Spending Accounts in Canada: What to Know Before Signing Up
An honest look at the limitations of Health Spending Accounts in Canada — including what they don't cover, who shouldn't use one, and how to decide if an HSA is right for your business.
Frontier HSA vs Coastal HSA: Which HSA Provider Is Right for You?
Comparing Frontier HSA and Coastal HSA for Canadian small businesses -- pricing, claim speed, setup, and which provider is the better fit for your team.
Frontier HSA vs Olympia Benefits (2026): Pricing, Fees, and Claim Speed
Frontier HSA vs Olympia Benefits for Canadian business owners. See updated 2026 pricing assumptions, fee structure, claim speed, and which provider is the better fit.
Health Spending Account FAQ: Your Top Questions Answered
Answers to the most common questions about Health Spending Accounts in Canada — who qualifies, what's covered, how taxes work, and how to get started.
Health Spending Account for Remote Workers and Distributed Teams in Canada
Why a Health Spending Account is the easiest way to offer health benefits to remote and distributed teams across Canada -- no provincial restrictions, no in-network providers, no enrollment headaches.
How Does a Health Spending Account Work in Canada?
A simple explanation of how Health Spending Accounts work in Canada — from setup to reimbursement — in five easy steps.
How to Set Up a Health Spending Account for Your Business in Canada
A step-by-step guide to setting up an HSA for your Canadian business. Covers eligibility, choosing a provider, pricing, and getting your first claim reimbursed.
HSA Eligible Expenses in Canada: Complete 2026 List
The definitive list of HSA eligible expenses in Canada for 2026. Browse CRA-based medical expenses by category and see what your corporation can reimburse through an HSA / PHSP.
HSA Eligible Expenses for Dental: What's Covered in Canada
Yes, you can use your HSA for dental expenses in Canada. Here's the full list of eligible dental costs — from cleanings and fillings to braces, implants, and Invisalign.
HSA Eligible Expenses: Physiotherapy, Massage Therapy, and Chiropractic in Canada
Physiotherapy, massage therapy, and chiropractic care are all eligible HSA expenses in Canada. Here's what qualifies, whether you need a referral, and how to claim through your Health Spending Account.
HSA Eligible Expenses for Prescription Drugs and Medications in Canada
Prescription drugs are the most commonly claimed HSA expense in Canada. Here's exactly what's covered, what's not, and how to submit your pharmacy receipts for tax-free reimbursement.
HSA Eligible Expenses for Vision: Glasses, Contacts, and Laser Eye Surgery in Canada
Use your Health Spending Account for glasses, contact lenses, LASIK, PRK, and eye exams in Canada. Here's what's covered and how to claim it.
HSA for Dentists, Doctors, and Healthcare Professionals in Canada
How incorporated healthcare professionals in Canada — dentists, physicians, specialists, and clinic owners — can use a Health Spending Account to cover their own health expenses with pre-tax corporate dollars.
HSA for Engineers and Technical Professionals in Canada
How engineers and technical professionals in Canada can use a Health Spending Account through their corporation to cover everyday health expenses with pre-tax dollars -- and stop relying on unreliable contract benefits.
HSA for Fertility Treatments: IVF, Egg Freezing, and More in Canada
Fertility treatments like IVF and egg freezing are CRA-eligible medical expenses in Canada. Learn how a Health Spending Account lets your business cover them with pre-tax dollars -- saving 30-45% compared to paying out of pocket.
HSA for Financial Advisors and Planners in Canada
How financial advisors and planners in Canada can use a Health Spending Account through their corporation to cover healthcare costs with pre-tax dollars -- the same tax optimization they recommend to clients, applied to their own health expenses.
HSA for Freelancers and Independent Contractors in Canada
Freelancers and independent contractors in Canada can access Health Spending Account benefits to cover dental, vision, prescriptions, and more -- but eligibility depends on how your business is structured. Here's what you need to know.
HSA for Incorporated Professionals in Canada: A Guide for Consultants, Accountants, and More
How incorporated professionals in Canada — IT consultants, accountants, dentists, lawyers, and others — can use a Health Spending Account to pay for healthcare with pre-tax corporate dollars.
HSA for Lawyers and Law Firms in Canada
How lawyers and law firms in Canada can use a Health Spending Account to cover healthcare costs with pre-tax corporate dollars -- saving thousands each year compared to expensive group plans.
HSA for Mental Health: Therapy, Counselling, and Psychologist Expenses in Canada
Yes, you can use your HSA for mental health expenses in Canada. Therapy, counselling, psychologist visits, and more are all eligible -- here's how to claim them tax-free.
HSA for Personal Trainers, Coaches, and Fitness Professionals in Canada
How personal trainers, life coaches, and fitness professionals in Canada can use a Health Spending Account through their corporation to cover the health expenses that come with a physically demanding career -- all with pre-tax dollars and no monthly premiums.
HSA for Pharmacists and Pharmacy Owners in Canada
How pharmacists and pharmacy owners in Canada can use a Health Spending Account to cover their own healthcare costs with pre-tax corporate dollars -- saving money on the very expenses they help patients manage every day.
HSA for Realtors and Real Estate Agents in Canada
How realtors and real estate agents in Canada can use a Health Spending Account to cover healthcare costs through their corporation -- paying only when they need it, with no fixed premiums eating into variable income.
HSA for Small Business Owners: How to Save on Employee Health Benefits in Canada
How Canadian small business owners can use a Health Spending Account to provide real health benefits at a fraction of the cost of traditional insurance — with full tax deductibility.
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.
How to Use Your HSA as a Couple or Family in Canada
Your Health Spending Account covers more than just you. Learn how your spouse, kids, and other dependents can all use the same HSA -- and why one plan can replace expensive family insurance.
HSA for Trades: Electricians, Plumbers, and Contractors in Canada
How tradespeople in Canada -- electricians, plumbers, and contractors -- can use a Health Spending Account through their incorporated business to cover the health expenses that come with physically demanding work, all with pre-tax dollars.
HSA for Veterinarians and Vet Clinic Owners in Canada
How veterinarians and vet clinic owners in Canada can use a Health Spending Account to cover their own healthcare costs with pre-tax corporate dollars -- saving money while supporting a profession that demands a lot from your body and mind.
HSA for Your Corporation: A Tax Guide for Canadian Business Owners
How to use a Health Spending Account inside your Canadian corporation to deduct health expenses, reduce taxable income, and stay CRA-compliant. Covers T2 deductions, shareholder-employee rules, and proper documentation.
HSA Tax Savings: How Much Can Your Canadian Business Save?
See exactly how much your incorporated business can save with a Health Spending Account. Real dollar examples for solo professionals and small teams in Canada.
HSA vs Group Benefits: Which Is Better for Small Teams in Canada?
Comparing Health Spending Accounts and traditional group benefits for Canadian teams of 1-5 people. When an HSA wins, when group benefits win, and when to combine both.
HSA vs Traditional Health Insurance for Canadian Small Businesses
Looking for a cost-effective health plan in Canada? For teams under 5, a Health Spending Account costs 40-60% less than traditional insurance — with broader coverage and zero premiums.
What Can You Buy With a Health Spending Account in Canada?
Wondering what you can buy with an HSA in Canada? Here are the most common things people actually spend their Health Spending Account on -- from dental and glasses to therapy and fertility treatments.
PHSP Canada: What Is a Private Health Services Plan?
A plain-English PHSP Canada guide covering what a Private Health Services Plan is, how it relates to an HSA, who qualifies, what expenses are covered, and why incorporated business owners use it.
How to Use Your HSA to Pay for Invisalign in Canada
Invisalign is fully HSA eligible in Canada. Learn how to claim clear aligners through your Health Spending Account, what's covered, and how much you can save.
How to Use Your HSA to Pay for TRT (Testosterone Replacement Therapy) in Canada
TRT is HSA eligible in Canada when prescribed. Learn what testosterone replacement therapy expenses are covered, what's not, and how to claim through your Health Spending Account.
Best HSA Providers in Canada (2026 Comparison)
A side-by-side comparison of the best HSA providers in Canada for 2026, including pricing transparency, claims speed, plan fit, and which provider is best for incorporated professionals and small businesses.
Do I Need to Report My HSA on My Taxes in Canada?
Learn how to report Canadian HSA contributions and reimbursements correctly while staying CRA-compliant and maximizing tax benefits.
Who Qualifies for an HSA Account in Canada?
Learn who qualifies for a Health Spending Account (HSA) in Canada, which businesses are eligible, and how CRA rules determine eligibility and covered dependents.
Understanding the Medical Expense Tax Credit (METC)
Learn how the Medical Expense Tax Credit works in Canada, how it differs from HSAs, and strategies to maximize your tax savings on medical expenses.
Health Spending Accounts (HSAs) for Sole Proprietors
A complete guide to HSAs for sole proprietors in Canada. Learn eligibility requirements, tax benefits, and how to set up an HSA for your solo business.
How to Claim Medical Travel Expenses Through Your HSA
Maximize your HSA benefits by claiming medical travel expenses. Learn what qualifies, documentation needed, and CRA guidelines for travel claims.
5 Reasons Why a Health Spending Account (HSA) is Better Than Traditional Health Insurance
Discover why more small businesses are choosing HSAs over traditional insurance. From cost control to flexibility, here are the top 5 advantages.
How to Use Your HSA to Pay for Invisalign & Laser Eye Surgery
Save thousands on Invisalign and laser eye surgery using your HSA. Learn about eligibility, tax savings, and how to submit claims for these popular procedures.
Claim Requirements for Your HSA
Everything you need to know about HSA claim requirements, including documentation, eligible expenses, and CRA compliance for smooth reimbursements.
What is the Contribution Limit for a Health Spending Account (HSA)?
Learn about HSA contribution limits in Canada, how they differ from traditional benefits, and strategies to maximize your health spending flexibility.
Understanding Health Spending Accounts (HSAs) in Canada: A Practical Guide for Business Owners
A comprehensive practical guide to HSAs for Canadian business owners. Learn how to set up, manage, and maximize tax benefits with your Health Spending Account.
Is Self-Administering an HSA Legal in Canada?
Understanding the legal framework for self-administered Health Spending Accounts in Canada. Learn about CRA compliance and best practices.
Navigating Common HSA Myths: Debunking Misconceptions
Separate fact from fiction about Health Spending Accounts. We debunk the most common HSA myths and clarify what HSAs can really do for your business.
Get Faster Medical Care with a Health Spending Account (HSA) in Canada
Discover how HSAs can help you access faster medical care in Canada by covering private healthcare services and reducing wait times.
Health Spending Accounts for Small Businesses: A Concise Guide
Learn how Health Spending Accounts (HSAs) provide flexible, tax-efficient health benefits for small businesses in Canada. A quick guide to getting started.
5 Key Things to Know About PHSPs in Canada
Learn what a Private Health Services Plan (PHSP) is and why it's a smarter, more flexible way for Canadian business owners to manage health expenses while maximizing tax savings.
7 Benefits of Using a Health Spending Account for Employee Health Benefits
Discover why Health Spending Accounts offer a flexible, tax-efficient alternative to traditional insurance that can save Canadian small businesses 30-50% on health expenses.
Tax-Efficient Ways to Pay for Healthcare as a Business Owner in Canada
Learn how incorporated professionals and business owners can transform personal healthcare spending into tax-deductible business expenses using Health Spending Accounts (HSAs).