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% 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 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.

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.