Frontier HSA vs Coastal HSA
Compare pricing, features, and service to find the best HSA for your business.
Compare feesFee Comparison
| Feature | Frontier HSA | Coastal HSA |
|---|---|---|
| Setup Fee | $0 | $50 |
| Annual Fee (Individual) | $0 | $0 |
| Claim Fee (Individual) | 8% | 7% |
| Annual Fee (Group) | $0 | $0 |
| Claim Fee (Group) | 8% | 7% |
| Per-Employee Fee | $0 | $0 |
Fees are before applicable taxes. See the plan details and dated sources below; annual-plan options may have different pricing.
Frontier
within 24 hours
Coastal HSA
2–4 business days
Frontier
Yes
Coastal HSA
Yes
Frontier
Web App
Coastal HSA
Varies
Comparing Frontier HSA and Coastal HSA
Both Frontier and Coastal HSA offer pay-as-you-go Health Spending Accounts with no annual fee. Here's how they compare on the things that actually matter.
Pricing
Both providers charge $0/year with a percentage-based claim fee:
- Coastal: $50 onboarding fee + 7% of claims
- Frontier: $0 setup + 8% of claims
On a $3,000/year claim total, Coastal costs $50 + $210 = $260 in year one ($210 after). Frontier costs $240. After year one, the difference is minimal, and Frontier has no upfront cost.
Reimbursement Speed
This is where the experience differs most:
- Frontier: Reimbursement via EFT, typically within 24 hours
- Coastal: 2–4 business days
If you submit claims regularly, faster reimbursement adds up to a noticeably better experience.
Claims Experience
Frontier is built around a modern mobile-first experience:
- Snap a photo of your receipt and submit in under a minute
- Real-time claim status tracking
- Support when you need it
Who Each Provider Is Best For
Coastal may be a better fit if your top priority is the lowest possible claim fee and you don't mind waiting a few days for reimbursement.
Frontier may be a better fit if you value fast reimbursement, a clean mobile experience, and responsive support — and the 1% fee difference isn't a dealbreaker.
Switching From Coastal to Frontier
If you want to switch, it's simple: sign up with Frontier, cancel with Coastal. Your new claims go through Frontier immediately. Past claims stay with your old provider.
Timing source: Coastal HSA pricing, checked September 14, 2026. Coastal advertises 2–4 business-day reimbursements.
Frequently Asked Questions
Is Coastal HSA a good provider?
Coastal is a legitimate HSA provider that processes claims for Canadian businesses. They offer competitive pricing with a slightly lower claim fee than Frontier.
Why is Frontier more expensive than Coastal?
Frontier's 8% claim fee covers same-day EFT reimbursement, a modern claims experience, and responsive support. Whether the 1% difference is worth it depends on what you value most.
Do both providers meet CRA requirements?
Both Frontier and Coastal operate as Private Health Services Plans (PHSPs) under CRA rules. Consult your accountant if you have specific compliance questions about any provider.
Ready to switch from Coastal HSA?
Frontier charges 8% of approved claims, plus applicable taxes. No setup or annual fee. Review your current plan before switching.
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