Frontier HSA vs Olympia Benefits

Looking for an Olympia Benefits Alternative?

You did the research, heard good things about Health Spending Accounts, and ended up looking at Olympia. Before you sign up, here's what their pricing page doesn't make obvious.

The Real Cost Comparison

Olympia has been around since 1997 and serves 60,000+ businesses. They're the market leader. But market leaders often get complacent on pricing.

For Individuals (You + Family)

If you claim less than $1,600/year:

• Frontier: $120 annual + 8% claims = cheaper
• Olympia Basic: $249 flat = more expensive

Example: You claim $1,000/year

• Frontier: $120 + $80 = $200 total
• Olympia: $249 total
• You save $49 with Frontier

For Businesses with Employees

Frontier wins on day one with no setup fees.

Example: 3 employees, $10,000 in total claims

• Frontier: $450 + $500 (5%) = $950
• Olympia: $335 setup + $99 + $120 (employees) + $800 (8%) = $1,354
• You save $404 with Frontier

When Olympia Might Be Better

We believe in honesty. Olympia's 0% claim fee on individual plans wins if you:

• Consistently claim $1,600+ per year
• Prefer a flat annual fee with no percentage

But ask yourself: Do you actually claim that much every year?

Why People Switch to Frontier

1. Faster Reimbursements

Most claims processed within 24 hours. Not 5-7 business days.

2. No Hidden Fees

No $335 setup fee. No $40 per employee. What you see is what you pay.

3. Modern Platform

Clean, simple interface. Submit claims from your phone in 30 seconds.

4. Same CRA Compliance

We follow the exact same tax rules. Your claims are just as legitimate.

Frequently Asked Questions

Is Frontier as legitimate as Olympia?

Yes. We're both CRA-compliant Private Health Services Plans. The tax treatment is identical. The only difference is pricing and service.

How hard is it to switch from Olympia?

Takes 10 minutes. Sign up with us, cancel with them. Your new claims go through Frontier immediately.

Do you cover the same expenses?

Yes. Both Frontier and Olympia cover all CRA-eligible medical expenses. There's no difference in what you can claim.

What about accountant partnerships?

If your accountant recommends Olympia, ask them why. Often it's because of referral arrangements. We offer the same thing - have them reach out.