What is a health spending account in Canada?

A Canadian Health Spending Account is an employer-funded PHSP that lets a corporation reimburse eligible medical expenses as a deductible business expense while the employee receives the reimbursement tax-free.

Is an HSA the same as a PHSP?

A PHSP is the CRA-recognized plan type and HSA is the common everyday name used by providers and business owners. In practice, most small-business HSAs are PHSPs.

Who can use Frontier HSA?

Frontier HSA is built for incorporated Canadians, including owner-operators and small businesses with employees. If you have a corporation and pay yourself salary through it, you are usually a fit.

What expenses are eligible?

Eligible expenses usually include dental, vision, prescriptions, therapy, paramedical care, and other CRA-recognized medical expenses for you and your dependants.

Can I use an HSA and still have insurance?

Yes. Many businesses use an HSA on its own or alongside traditional insurance to cover routine expenses, deductibles, co-pays, and items their insurance plan does not handle well.

How much does Frontier HSA cost?

Frontier HSA has no annual fee. You only pay 8% of approved claims, so if no one submits claims, there is no admin fee to pay.

Stop Paying for Health Insurance You Barely UseWith a Health Spending Account

A Health Spending Account costs less, covers more, and saves you thousands in taxes.

Start My HSA Setup Estimate My Tax Savings

The Problem

Health insurance is broken.
You know it.

You pay hundreds each month. Premiums go up every year. And when you actually need something covered?

Sorry, that's not covered

Sorry, you haven't hit your deductible

Sorry, that's a pre-existing condition

Sorry, you've maxed out your annual limit

Meanwhile, insurance companies post record profits.

There's a reason they don't want you to know about Health Spending Accounts.

The Solution

What if you just... paid for what you need?

A Health Spending Account (HSA) lets your corporation pay for your health expenses directly. No premiums. No deductibles. Just CRA-eligible reimbursements.

Health Insurance

Monthly premiums$200-500/month

Deductible$250

Co-pays20-40%

Annual capsUsually yes

What's coveredThey decide

Pre-existing conditionsLimited or denied

Price stabilityIncreases yearly

Better Choice

Health Spending Account

Monthly premiums$0

DeductibleNone

Co-paysNone

Annual capsYou set the limit

What's coveredAnything CRA-eligible

Pre-existing conditionsFully covered

Platform fee$0/year

How It Works

Submit a receipt

Dental, glasses, prescriptions, physio, massage

We invoice your corp

Claim + 8% admin fee — fully tax-deductible

Get reimbursed

100% of the amount, tax-free, within 24 hours

That's it. No claim forms. No "is this covered?" No waiting 6 weeks.

Coverage

What Can You Actually Claim?

If the CRA says it's a medical expense, you can claim it.

Dental

Cleanings, fillings, crowns, braces, implants

Vision

Eye exams, glasses, contacts, laser eye surgery

Prescriptions

Any prescription medication

Therapy

Physio, massage, chiro, acupuncture, mental health

Medical

Doctor visits, lab tests, X-rays, specialists

Family

Your spouse and kids are covered too

And more - Orthotics, hearing aids, fertility treatments, medical equipment...

No pre-approval. No conditions. No "sorry, we don't cover that."

See the full list of eligible expenses →

Start My HSA Setup

Claim all of the above — tax-free

Savings

Do The Math

Let's say you have $5,000/year in medical expenses and a 40% tax rate

Paying out of pocket:

Medical expense: $5,000
Pre-tax income needed: $8,333

You need to earn:

$8,333

Just to have $5,000 after taxes

Save $2,800+

With Frontier HSA:

Medical expense: $5,000
Admin fee (8%): $400

Total business cost:

$5,400

100% tax-deductible

Your savings:

$2,933/year

Ready to start? Setup takes 10 minutes.

Is This A Fit?

Who Frontier HSA Is Best For

Great fit if:

You have an incorporated business in Canada
You want to reimburse medical expenses tax-efficiently
You prefer pay-as-you-go benefits over fixed premiums

Not the best fit if:

You are not incorporated yet
You need life or disability insurance included
You want a plan with no annual reimbursement budget

Check eligibility in 60 seconds

Trust & Compliance

"Is this CRA-compliant?"

Yes. Completely.

Health Spending Accounts are officially called Private Health Services Plans (PHSP). They've been in Canadian tax law for decades. The CRA explicitly allows them for incorporated businesses, and we verify your setup before activation.

This isn't a loophole or workaround. It's an established Canadian benefits structure designed for incorporated businesses.

CRA-compliant

We verify your eligibility before you sign up

100% Canadian owned

Only pay when you use it

Pricing

Simple Pricing. No Surprises.

Unlike insurance, you only pay when you actually use it.

One Simple Plan

For solo owners and teams

$0/year

+ 8% admin fee on claims

8% fee on claims
No annual fee
No setup fee
No hidden charges
Cancel anytime

Get Started Free

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

FAQ

Frequently Asked Questions

What is an HSA?

An HSA allows employers to allocate tax-free funds for employee medical expenses. Employees pay out-of-pocket, submit claims, and receive tax-free reimbursements. Employers deduct these costs as business expenses, reducing taxable income while providing flexible benefits.

Who can use this?

Any incorporated business in Canada. If you have a corporation and pay yourself a salary (T4), you're eligible.

Can I use this AND have insurance?

Yes. Many people use an HSA for things insurance doesn't cover (or to cover deductibles and co-pays). Or you can ditch insurance entirely. Your call.

How fast do I get reimbursed?

Most claims are processed and reimbursed same day.

What if I don't use it much this year?

You pay nothing. There's no annual fee — you only pay when you submit a claim. No wasted premiums like insurance.

Is there a limit on how much I can claim?

You set your own annual limit (talk to your accountant). Most people set $5,000-15,000 per family.

Ready to stop overpaying?

Set up your Health Spending Account in 10 minutes. Start claiming expenses immediately. Wonder why you ever paid for insurance.