Frontier HSA vs myHSA

Comparing Frontier HSA and myHSA

myHSA offers no annual fee with approximately 10% claim fees. Frontier also has no annual fee, but charges just 8% on claims. Here's how they compare.

The Price Comparison

myHSA: $0/year, ~10% on claims Frontier: $0/year, 8% on claims

Breaking Down the Math for Individuals

If you claim $1,500/year:

• myHSA: $150 (10%) = $150
• Frontier: $120 (8%) = $120
• Frontier saves you $30

If you claim $3,000/year:

• myHSA: $300 (10%) = $300
• Frontier: $240 (8%) = $240
• Frontier saves you $60

If you claim $6,000/year:

• myHSA: $600 (10%) = $600
• Frontier: $480 (8%) = $480
• Frontier saves you $120

If you claim $10,000/year:

• myHSA: $1,000 (10%) = $1,000
• Frontier: $800 (8%) = $800
• Frontier saves you $200

For Businesses with Staff

Same story -- Frontier's 8% beats myHSA's 10% at every level:

$10,000 in annual team claims:

• myHSA: $1,000 (10%)
• Frontier: $800 (8%) = $800
• Frontier saves $200

$25,000 in annual team claims:

• myHSA: $2,500 (10%)
• Frontier: $2,000 (8%) = $2,000
• Frontier saves $500

When to Choose Frontier

Any Claim Volume

Frontier's 8% is lower than myHSA's 10% at every level, with no annual fee on either side. Frontier saves you money on every claim.

Business with Employees

Our 8% rate beats 10% on any claim volume, and there's no annual fee to worry about.

Faster Reimbursements

Frontier processes most claims within 24 hours vs 3-5 business days.

Modern Platform

Mobile app, instant tracking, clean interface designed for ease of use.

When myHSA Might Work

If you already have an established relationship with myHSA and switching isn't worth the effort for your claim volume, staying put is reasonable.

The Bottom Line

Both providers have no annual fee. The difference is the claim percentage: Frontier charges 8% vs myHSA's ~10%. Frontier saves you money at every claim level, with faster reimbursements and a modern mobile app.

Frequently Asked Questions

Does Frontier charge an annual fee?

No. Frontier charges $0/year with an 8% claim fee. You only pay when you actually submit a claim.

Is the coverage the same?

Yes. Both are CRA-compliant HSAs covering all eligible medical expenses. The difference is pricing structure and service level.

Can I try Frontier risk-free?

We don't offer free trials, but you can cancel anytime with no penalty. If you're not satisfied, we'll work with you to make it right.