Home › Invest › HSA providers

HSA providers compared

A health savings account (HSA) lets you save for medical costs with a triple tax break: contributions are tax-deductible, growth is tax-free, and withdrawals for qualified medical expenses are tax-free. You need a high-deductible health plan to contribute. For 2026 the IRS limit is $4,400 (self-only) or $8,750 (family), plus $1,000 if you're 55 or older. You can move an HSA to any provider; here's what each charges.

Fidelity HSA

Account fee
No account fees (retail HSA)
Investment fees
None for self-directed; Fidelity Go managed option 0.35%/yr at $25,000+
Investment options
Stocks, ETFs, mutual funds (self-directed) or managed
Minimum to invest
No minimum (self-directed)

Employer-serviced Fidelity HSAs may carry a recordkeeping fee of up to $48/year, per Fidelity.

Source: Fidelity HSA page (checked 2026-10-12)

Lively

Account fee
No monthly or maintenance fee
Investment fees
Schwab brokerage link $24/yr unless you keep $3,000 cash; guided portfolio (Devenir) 0.50%/yr
Investment options
Self-directed via Schwab, or guided portfolio
Minimum to invest
not found

Source: Lively page (checked 2026-10-12)

HSA Bank

Account fee
No monthly fees (per HSA Bank)
Investment fees
0.10% (Choice), 0.25% (Select) or 0.35% (Managed) per year, billed quarterly; waived for a quarter with a $7,500+ average cash balance
Investment options
Self-directed, curated funds, or managed
Minimum to invest
not found

Source: HSA Bank page (checked 2026-10-12)

HealthEquity

Account fee
$2.95/month, waived with $2,000+ cash balance (standard schedule; employer plans can differ)
Investment fees
0.03%/month on invested balance (max $10/month); Advisor adds 0.05%/month (max $15)
Investment options
not found
Minimum to invest
Plan-specific investment threshold

Source: HealthEquity member fee schedule (checked 2026-10-12)

Employer-sponsored HSAs can have different fees than the retail accounts here. Cash interest rates weren't stated on the pages we read. Not yet covered: Optum Bank, Further, Associated Bank.

Compare two

Facts copied from each provider's own page on the date shown; “not found” means we couldn't confirm it there. Prices change, so check the provider before you sign up. No paid placement.

FAQ

What is the 2026 HSA contribution limit?

$4,400 for self-only coverage and $8,750 for family coverage, plus a $1,000 catch-up at 55+ (IRS Rev. Proc. 2025-19).

Can I move my HSA to another provider?

Yes. A direct trustee-to-trustee transfer has no limit. A rollover you receive yourself must be redeposited within 60 days, once per 12 months (IRS Publication 969).

Can I roll a 401(k) into an HSA?

No. HSAs accept rollovers only from other HSAs or Archer MSAs (IRS).

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.