Frontier HSA vs EasyHSA

Looking for an EasyHSA Alternative?

EasyHSA markets themselves as simple and fee-free. And they're right about the "no annual fee" part. But that 10% claim fee adds up fast.

The Real Cost Comparison

EasyHSA charges 10% on every claim. Frontier charges 8% for individuals, 5% for groups. No annual fee sounds great until you do the math.

For Individuals (You + Family)

The break-even point is $600/year in claims.

Example: You claim $2,000/year

• EasyHSA: $0 + $200 (10%) = $200 total
• Frontier: $120 + $160 (8%) = $280 total
• EasyHSA wins by $80

Example: You claim $500/year

• EasyHSA: $0 + $50 (10%) = $50 total
• Frontier: $120 + $40 (8%) = $160 total
• EasyHSA wins by $110

For Businesses with Employees

This is where Frontier wins clearly.

Example: 5 employees, $15,000 in total claims

• EasyHSA: $0 + $1,500 (10%) = $1,500
• Frontier: $450 + $750 (5%) = $1,200
• You save $300 with Frontier

The gap widens with more claims.

When EasyHSA Might Be Better

If you:

• Claim less than $600/year individually
• Want zero annual commitment
• Prefer paying only when you claim

Why People Switch to Frontier

1. Lower Group Rates

5% beats 10%. For businesses with employees, this is significant savings.

2. Faster Reimbursements

Most claims processed within 24 hours.

3. Predictable Costs

Know your annual fee upfront. No surprises on big claim years.

4. Same CRA Compliance

Both are legitimate PHSPs. Same tax treatment.

Frequently Asked Questions

Is Frontier more expensive for low claimers?

Yes. If you claim under $600/year, EasyHSA's no-annual-fee model is cheaper. Above that, it depends on your claim volume.

How hard is it to switch?

Takes 10 minutes. Sign up with us, stop using them. No cancellation fees on either side.

Do you cover the same expenses?

Yes. Both cover all CRA-eligible medical expenses identically.