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 $120/year + 8% of claims.

Example: You claim $3,000/year

• WellBytes: $250 (flat tier)
• Frontier: $120 + $240 (8%) = $360
• WellBytes wins by $110

Example: You claim $1,000/year

• WellBytes: $250 (flat tier)
• Frontier: $120 + $80 (8%) = $200
• Frontier wins by $50

Break-even point: Around $1,600/year in claims.

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: $450 + $750 (5%) = $1,200
• You save $360 with Frontier

When WellBytes Might Be Better

For individuals who:

• Consistently claim between $1,600-$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

5% claim fee beats 10% + $2 per transaction. Clear savings for businesses.

2. Better for Low Claimers

If you claim under $1,600/year, our $120 annual + 8% beats their $250 minimum.

3. Faster Reimbursements

Most claims processed within 24 hours.

4. Simpler Pricing

One rate for individuals, one for groups. No tiers to think about.

Frequently Asked Questions

Which is cheaper for high-claiming individuals?

WellBytes, if you claim $1,600-$5,000/year. Their flat $250 beats our percentage model at that volume.

Which is cheaper for businesses?

Frontier. Our 5% group rate 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.