Frontier HSA vs EasyHSA
Compare pricing, features, and service to find the best HSA for your business.
Compare feesFee Comparison
| Feature | Frontier HSA | EasyHSA |
|---|---|---|
| Setup Fee | $0 | $0 |
| Annual Fee (Individual) | $0 | $0 |
| Claim Fee (Individual) | 8% | 10% |
| Annual Fee (Group) | $0 | $0 |
| Claim Fee (Group) | 8% | 10% |
| 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
EasyHSA
Via myHSA; confirm approval and payout schedule
Frontier
Yes
EasyHSA
Yes
Frontier
Web App
EasyHSA
Varies
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% with no annual fee. Both have simple pricing, but Frontier's lower percentage saves you money on every claim.
For Individuals (You + Family)
Example: You claim $2,000/year
- EasyHSA: $200 (10%) = $200 total
- Frontier: $160 (8%) = $160 total
- Frontier wins by $40
Example: You claim $500/year
- EasyHSA: $50 (10%) = $50 total
- Frontier: $40 (8%) = $40 total
- Frontier wins by $10
For Businesses with Employees
Frontier wins clearly here too.
Example: 5 employees, $15,000 in total claims
- EasyHSA: $0 + $1,500 (10%) = $1,500
- Frontier: $1,200 (8%) = $1,200
- You save $300 with Frontier
The gap widens with more claims.
When EasyHSA Might Be Better
Honestly, it's hard to find a scenario where EasyHSA comes out ahead. Frontier has no annual fee and a lower claim percentage (8% vs 10%).
Why People Switch to Frontier
1. Lower Claim Fee
8% beats 10% on every single claim, for everyone.
2. Faster Reimbursements
Most claims are processed within 24 hours.
3. No Annual Fee Either
Same $0/year as EasyHSA, but with a lower claim percentage.
4. Same CRA Compliance
Both are legitimate PHSPs. Same tax treatment.
EasyHSA now directs claims through the myHSA portal. Its claim submission page, checked September 14, 2026, does not give a fixed reimbursement deadline. Confirm approval and payout timing for your plan.
Frequently Asked Questions
Is Frontier more expensive for low claimers?
No. Frontier also has no annual fee, and our 8% claim fee is lower than EasyHSA's 10%. Frontier is cheaper at every claim level.
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.
Ready to switch from EasyHSA?
Frontier charges 8% of approved claims, plus applicable taxes. No setup or annual fee. Review your current plan before switching.
Get Started