Frontier HSA vs WellBytes

Looking for a WellBytes Alternative?

WellBytes offers two different pricing models depending on whether you're an individual or a business with employees. Let's break down how Frontier compares.

The Real Cost Comparison

For Individuals (Self-Employed/Incorporated)

WellBytes charges a tiered annual fee based on claim volume:

• $250 for claims up to $5,000
• $350 for claims up to $10,000
• $500 for claims above $10,000

Frontier charges $0/year + 8% of claims.

Example: You claim $3,000/year

• WellBytes: $250 (flat tier)
• Frontier: $240 (8%) = $240
• Frontier wins by $10

Example: You claim $1,000/year

• WellBytes: $250 (flat tier)
• Frontier: $80 (8%) = $80
• Frontier wins by $170

Frontier is cheaper until your claims hit around $3,125/year, where WellBytes' flat $250 starts to win.

For Businesses with Employees

WellBytes charges $2 + 10% per claim for employee plans.

Example: 5 employees, $15,000 in total claims (30 claims)

• WellBytes: $60 ($2 x 30) + $1,500 (10%) = $1,560
• Frontier: $1,200 (8%) = $1,200
• You save $360 with Frontier

When WellBytes Might Be Better

For individuals who:

• Consistently claim between $3,125-$5,000/year
• Prefer flat annual fees over percentage-based
• Want predictable costs regardless of claim size

Why People Switch to Frontier

1. Better for Groups

8% claim fee beats 10% + $2 per transaction. Clear savings for businesses.

2. Better for Low Claimers

If you claim under $3,125/year, our 8% with no annual fee beats their $250 minimum.

3. Faster Reimbursements

Most claims processed within 24 hours.

4. Simpler Pricing

One flat rate for everyone: 8% of claims, no annual fee. No tiers to think about.

Frequently Asked Questions

Which is cheaper for high-claiming individuals?

WellBytes, if you claim $3,125-$5,000/year. Their flat $250 beats our percentage model at that volume.

Which is cheaper for businesses?

Frontier. Our 8% rate with no annual fee beats their 10% + $2/claim structure at almost any volume.

Do you cover the same expenses?

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

Is switching complicated?

No. Takes 10 minutes. Sign up with us, stop using them.