HSA | Health Savings Account
Let’s build real health savings
Open a HealthEquity HSA and see how easy it is to spend smarter and save more on healthcare.
HOW TO HSA
An HSA paired with an HSA-qualified health plan empowers you to invest in your healthcare and create long-term savings.
Maximize tax savings
Enjoy tax-deductible contributions, tax-free earnings and tax-free distribution for qualified expenses.1
Pay for healthcare
HSAs cover thousands of qualified medical expenses, including doctor visits and over-the-counter medications.
Roll over funds
Keep your HSA dollars year after year—even if you change employers or health plans.
Save for retirement
An HSA works like a second 401(k). Invest2 your money and build the ultimate retirement nest egg.
SAVING STARTS WITH SIMPLICITY
Move money fast
It’s easy to add money to your HSA. Link a bank account and make tax-deductible contributions anytime.
GO MOBILE
Log in and manage everything via our intuitive mobile app.4 View claims and payments, track spending, and more. Want to submit a claim? No problem. Just snap a photo and you’re on your way.
INVEST WITH CONFIDENCE5
Access a powerful lineup of low-cost Vanguard funds. A step-by-step tutorial will walk you through the entire investing process. You can also take advantage of advisory tools from HealthEquity Advisors, LLC. Get algorithm-based recommendations or let intelligent technologies manage your entire portfolio.
Pricing for individuals
TRANSPARENT PRICING
Account fee
$0/month
- No account minimums
- FDIC eligible, interest bearing
- Invest with only $500
NATIONALLY ENDORSED BY THE DAVE RAMSEY SHOW

"A health savings account is the perfect plan for managing the high cost of healthcare...At Ramsey Solutions and even for my family, we trust the team at HealthEquity."
-Dave RamseySTART BUILDING HEALTH SAVINGS NOW
HSA FOR BUSINESS
Empower your employees to achieve wellness today and financial wellbeing tomorrow. Our dedicated professionals and leading-edge technologies put your employees in control.
Learn moreHealthEquity does not provide legal, tax or financial advice. Always consult a professional when making life-changing decisions.
1HSAs are never taxed at a federal income tax level when used appropriately for qualified medical expenses. Also, most states recognize HSA funds as tax deductible with very few exceptions. Please consult a tax advisor regarding your state’s specific rules.Return to content
2Investments are subject to risk, including the possible loss of the principal invested, and are not FDIC or NCUA insured, or guaranteed by HealthEquity, Inc. Investing through the HealthEquity investment platform is subject to the terms and conditions of the Health Savings Account Custodial Agreement and any applicable investment supplement. Investing may not be suitable for everyone and before making any investments, review the fund’s prospectus.Return to content
3Your HealthEquity® Visa® Healthcare Card can be used at participating merchants who sell eligible healthcare products or services everywhere Visa debit cards are accepted. Your HealthEquity Visa Healthcare Card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc. The Bancorp Bank; Member FDIC.Return to content
4Accounts must be activated via the HealthEquity website in order to use the mobile app.Return to content
5Investments are subject to risk, including the possible loss of the principal invested and are not FDIC or NCUA insured, or guaranteed by HealthEquity, Inc. HealthEquity, Inc. does not provide investment advice. HealthEquity Advisors, LLC™, a wholly owned subsidiary of HealthEquity, Inc. and an SEC-registered investment adviser, provides web-based investment advice to HSA holders that subscribe for its services (minimum thresholds and additional fees apply). Registration does not imply endorsement by any state or agency and does not imply a level of skill, education, or training. Investing may not be suitable for everyone and before making any investments, review the fund’s prospectus.Return to content
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