Pricing

Simple Pricing.
No Surprises.

Unlike insurance, you only pay when you actually use it. No wasted premiums. No hidden fees. Just straightforward pricing.

Most Popular for Solo Owners

Incorporated Individual

For corporations with no arms-length employees

$120/year

+ 8% fee on approved claims

  • Cover yourself + spouse + kids
  • Up to $15,000 annual limit
  • No setup fees
  • No hidden charges
  • iOS and Android app
  • Digital claim submission
  • CRA-compliant reporting
  • 2-3 day reimbursement
Get Started
Best Value
For Teams

Business with Employees

For businesses with one or more arms-length employees

$450/year

+ 5% fee on approved claims

  • Unlimited employees
  • Each employee + their dependents
  • Custom limits per employee class
  • No per-employee fees
  • Team admin dashboard
  • Simple employee onboarding
  • iOS and Android app
  • CRA-compliant reporting
Get Started

No claims = no claim fees. You only pay when you actually use it.

Compare

HSA vs. Traditional Insurance

See how much you could save by switching

Traditional InsuranceFrontier HSA
Monthly premiums$200-500/month$0
Annual platform fee$0$120
Deductible$250+None
Co-pays20-40%None
Coverage limitsThey decideYou decide
Pre-existing conditionsLimited/deniedFully covered
Unused premiumsGone foreverNever wasted
Price increasesEvery yearFixed pricing

Calculate Your Savings

See exactly how much you'll save with a Health Spending Account

EXAMPLE: $5,000 IN MEDICAL EXPENSES AT 40% TAX RATE

Paying out of pocket

$8,333pre-tax

You need to earn this much to have $5,000 after taxes

With Frontier HSA

$5,520total cost

100% tax-deductible for your corporation

Your savings: $2,813/year

Everything Included

No add-ons. No upsells. Just value.

Unlimited claims per year
Cover any CRA-eligible expense
iOS and Android mobile app
Digital receipt submission
2-3 business day reimbursements
Direct deposit to your account
CRA-compliant annual reporting
Dedicated support team
Dependents included at no extra cost
Rollover of unused funds (1 year)
No paperwork headaches
Cancel anytime

Pricing Questions

What if I don't use my HSA much this year?
You just pay the annual fee ($120 or $450). No wasted premiums like with insurance. Unused contribution room rolls over for one year.
Are there any hidden fees?
None. You pay the annual fee plus the percentage on approved claims. That's it. No setup fees, no cancellation fees, no surprise charges.
How does the claim fee work?
When you submit a claim and it's approved, we add the processing fee (8% for individuals, 5% for businesses) to the reimbursement total. Your corporation pays the full amount, and you receive the medical expense portion tax-free.
Can I cancel anytime?
Yes. There are no long-term contracts. You can cancel your HSA at any time. Any pending claims will still be processed.
Is this really tax-deductible?
Yes, 100%. HSA expenses are classified as Employee Benefit Tax Deductions on your corporate tax return. This is explicitly allowed under Canadian tax law.
View all FAQs →

Ready to start saving?

Set up your Health Spending Account in 10 minutes. Start claiming expenses immediately.

Get Started - $120/year