Can I Use Frontier Health to Cover My Family's Health Expenses Through My Corporation?

By Frontier Team•February 11, 2026•5 min read

Yes, you can use Frontier Health to cover your family's health expenses through your corporation. Your Health Spending Account covers not just you, but your spouse, your children, and other qualifying dependents -- all under the same plan, all tax-free, all reimbursed within 48 hours. There is no need for separate coverage for each family member.

How Frontier Health's Family Coverage Works

When you set up Frontier Health through your corporation, you choose a monthly budget per person. That budget covers your entire family -- not just you. So if you set a budget of $125 per month, that $1,500 per year is available for your own health expenses and every eligible expense for your dependents.

Your spouse does not need to be employed by your corporation. They just need to qualify as your dependent under CRA rules. The same goes for your kids and any other eligible family members.

You submit a receipt through the Frontier Health app, and reimbursement lands in your account by e-transfer within 24 to 48 hours. That process is the same whether the expense is for you, your spouse, or your child. One plan, one balance, one simple process.

Who Counts as a Dependent Under CRA Rules?

The CRA defines who qualifies as a dependent for health benefit purposes. Through Frontier Health, your HSA can reimburse eligible medical expenses for:

  • Your spouse or common-law partner -- They do not need to work for your corporation or have any employment relationship with your business
  • Your children under 21
  • Your children under 25 -- if they are enrolled full-time at a qualifying educational institution
  • Your parents or grandparents -- if they are financially dependent on you

This means a single Frontier Health plan can cover your whole household. If you have a university-aged child or aging parents who depend on you financially, their health expenses qualify too.

What Family Expenses Does Frontier Health Cover?

Frontier Health covers everything the CRA recognizes as an eligible medical expense. For families, the most common claims include:

  • Dental -- cleanings, fillings, braces, and orthodontics for kids
  • Vision -- glasses, contact lenses, and eye exams for your spouse or children
  • Prescriptions -- medications for anyone in the family
  • Physiotherapy, massage, and chiropractic -- for you or any dependent
  • Mental health -- therapy and counselling for your spouse or older children
  • Fertility treatments -- IVF, egg freezing, and related procedures
  • Medical devices -- orthotics, hearing aids, and other prescribed equipment

There are no plan tiers, no co-pays, and no confusing exclusion lists. If the CRA says it qualifies, Frontier Health covers it.

A Real Example: $5,000 in Family Health Costs

Sarah runs a small incorporated consulting business. She sets up Frontier Health with a $5,000 annual budget. Here is how her family of four uses it over the year:

  • Son's braces (orthodontics): $2,000
  • Spouse's new glasses and eye exam: $600
  • Family prescriptions: $700
  • Sarah's massage therapy: $500
  • Daughter's dental cleanings and a filling: $450
  • Spouse's physiotherapy: $750
  • Total: $5,000

Without Frontier Health, Sarah would need roughly $7,500 to $8,500 in pre-tax personal income to cover those same costs out of pocket. With Frontier Health, her corporation deducts the full $5,000 as a business expense. That saves her family roughly $2,500 to $3,500 in taxes every year -- money that stays in the business instead of going to CRA.

The only requirement is that Sarah draws a T4 salary from her corporation, which most incorporated business owners already do.

Why Families Choose Frontier Health Over Traditional Insurance

A traditional family insurance plan typically costs $300 to $500 per month in premiums -- whether your family uses it or not. That is $3,600 to $6,000 per year, often with co-pays, coverage caps, and categories your family may never need.

Frontier Health is pay-as-you-go. You only pay when there is an actual expense. No monthly premiums, no wasted coverage, no renewal increases. And because Frontier Health covers everything the CRA allows, the range of eligible expenses is broader than most insurance plans.

There is no setup fee, and you can cancel anytime. Your unused balance rolls forward for one benefit year, so nothing goes to waste if your family has a lighter year for health expenses.

Get Your Family Covered with Frontier Health

Setting up Frontier Health for your family takes just a few minutes. Choose your monthly budget, and your whole family is covered from day one. Submit receipts through the app, get reimbursed within 48 hours, and write off every dollar as a business expense.

Get started with Frontier Health and start covering your family's health expenses through your corporation today.

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