Frontier HSA vs Olympia Benefits (2026): Pricing, Fees, and Claim Speed

By Frontier Team•February 10, 2026•3 min read

Frontier HSA vs Olympia Benefits (2026)

Last updated: February 15, 2026.

Frontier HSA is built for incorporated professionals and small teams that want fast claims and transparent pricing. Olympia Benefits is a larger incumbent with advisor distribution and multiple plan structures. Both are CRA-compliant Health Spending Accounts that reimburse eligible medical expenses tax efficiently.

Quick Comparison

Category Frontier HSA Olympia Benefits
Individual pricing $120/year + 8% claim fee $249/year + 0% claim fee
Group pricing $450/year + 5% claim fee $99/year + 8% claim fee
Setup fee $0 $335
Per-employee fee $0 $40
Claim speed Around 24-48 hours Around 5-7 business days
CRA compliance Yes (PHSP/HSA structure) Yes (PHSP/HSA structure)

Pricing Assumptions Used in This Comparison

These examples use the current pricing assumptions in our competitor content:

  • Frontier individual: $120/year + 8%
  • Frontier group: $450/year + 5%
  • Olympia individual: $249/year + 0%
  • Olympia group: $99/year + 8%
  • Olympia setup fee: $335
  • Olympia per-employee fee: $40

Frontier HSA vs Olympia Benefits: Cost Scenarios

Individual example: $1,000 annual claims

  • Frontier: $120 + $80 = $200
  • Olympia: $249 + $0 = $249
  • Frontier is lower by $49

Team example: 3 employees, $10,000 total annual claims

  • Frontier: $450 + $500 = $950
  • Olympia: $335 + $99 + $120 + $800 = $1,354
  • Frontier is lower by $404

Where Frontier HSA Stands Out

  • No setup fee
  • No per-employee fee
  • Faster reimbursement turnaround
  • Simple pricing for solo and small-team plans

Where Olympia Benefits Stands Out

  • Advisor familiarity and long market history
  • Flat-fee individual plan can work for specific high-claim use cases
  • Broader advisor-led procurement path for larger organizations

Who Should Choose Frontier HSA

Choose Frontier if you are an incorporated professional or small team that values:

  • Lower up-front fee structure
  • Faster claims
  • Straightforward online experience

Who Should Choose Olympia Benefits

Choose Olympia if you prioritize:

  • Working through existing advisor relationships
  • Specific plan structure needs that match Olympia's model
  • Flat-fee individual math for your personal claim profile

Bottom Line

For most solo incorporated owners and small teams, Frontier's fee structure and reimbursement speed are usually the practical advantage. Olympia remains a credible option, especially where advisor-led buying or particular plan preferences are important.

If you want a direct, transparent HSA setup with fast processing, Frontier HSA is generally the better fit.

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