Frontier HSA

Hey PH! I built Frontier HSA because health insurance for small businesses in Canada is broken. You pay hundreds per month in premiums, half of what you need isn’t covered, and prices go up every year. Health Spending Accounts have been allowed by the CRA for decades — but insurance companies don’t advertise them (it cuts into their business), and existing HSA providers are stuck in 2005 with paper forms and fax machines. So we built something better: - $0 premiums — only pay when you actually use it - Covers anything CRA-eligible (dental, vision, therapy, prescriptions, mental health, and 100+ more) - Reimbursed in 2-3 business days via direct deposit - 100% tax-deductible for your business, tax-free for employees The math: If you have $5,000 in medical expenses at a 40% tax rate, paying out of pocket requires earning $8,333 pre-tax. With Frontier HSA, your total cost is $5,520 — fully deductible. That’s $2,813 saved per year. We charge a flat $120/year + a small % on approved claims. No claims = no fees. Happy to answer any questions about HSAs — this stuff should be way more well-known than it is.