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Is the Fidelity HSA HSA good?

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.

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)

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FAQ

Is the Fidelity HSA HSA good?

Here are the facts we could confirm on Fidelity HSA's own page (2026-10-12): 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). Whether it's good for you depends on what you need; compare it with the alternatives listed.

Where do these facts come from?

From Fidelity HSA page (checked 2026-10-12). “not found” means the page didn't state it.

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.