an individual or family

With the triple tax advantage¹, the HSA can help you save money to pay for qualified medical expenses now and into retirement.

The HSA for you

an employer

The Fidelity HSA can offer you and your employees a cost-effective way to save for health care expenses, backed by Fidelity’s commitment to customer service.

The HSA for your employees

a broker or consultant

Fidelity offers claims integration, effective participant education, and the latest in data security technology to meet and protect your clients’ needs.

The HSA for your clients

a health insurer

Trust that your members are getting the most from their HSA because Fidelity offers financial guidance based on decades of experience.

The HSA for your members

What is an HSA?

An HSA is a tax-advantaged account you can use to save money to pay for qualified medical expenses. Because contributions, qualified withdrawals, and investment growth are all tax-free and your money can carry over from year to year, the HSA can help you gain control over your health care expenses.

An HSA is associated with a high-deductible health plan (HDHP).

	Exceptional service Personalized attention when you need it, online or over the phone, to make using your HSA easy
	Broad investing options Offering a full range of investment opportunities, Fidelity's curated Funds to Consider lineup, and Fidelity's Health Savings Funds, the first mutual funds designed specifically for HSA investing
	Competitive pricing Zero account transaction fees² Zero separate account fees to invest³ Zero minimums to invest⁴

	Account integration Managing retirement and health savings accounts to align your long- and short-term financial goals
	Data security World-class security measures to help keep your accounts safe, including advanced fraud detection
	Insights & education Targeted education based on industry-leading research, market insights, and decades of experience

The average couple will spend $285,000 on retirement medical costs as of 2019.⁵

If you invest half of what you contribute each year, over a period of 30 years your investment could grow to be twice what you need for retirement.⁶

After age 65, you can use your HSA for anything you want. Non-health care expenses become penalty-free.⁷

2020_bestHSAs_logo

Named for Investment Options, Investment Quality, Low Fees, Interest Rates, and Easy Access⁸

2020

Named as the best HSA provider for both spenders and investors⁹

2019

Keep in mind that investing involves risk, including the risk of loss.

With respect to federal taxation only. Contributions, investment earnings, and distributions may or may not be subject to state taxation.

Account transaction fees refers to fees for account features such as account opening, funds transfer, debit cards, excess contributions, etc. and does not include recordkeeping fees, which may be charged to employers. Employers may choose to pass recordkeeping fees on to employees.

Commissions and other expenses associated with transacting or holding specific investments (e.g., mutual funds) may apply. Refer to the fees and commission schedule for additional detail at https://www.fidelity.com/trading/commissions-margin-rates.

There may be funds that require a minimum amount to invest, but Fidelity does not require a minimum to start investing.

Estimate based on a hypothetical couple retiring in 2019, 65-years-old, with life expectancies that align with Society of Actuaries' RP-2014 Healthy Annuitant rates with Mortality Improvements Scale MP-2016. Actual assets needed may be more or less depending on actual health status, area of residence, and longevity. Estimate is net of taxes. The Fidelity Retiree Health Care Costs Estimate assumes individuals do not have employer-provided retiree health care coverage, but do qualify for the federal government's insurance program, Original Medicare. The calculation takes into account cost-sharing provisions (such as deductibles and coinsurance) associated with Medicare Part A and Part B (inpatient and outpatient medical insurance). It also considers Medicare Part D (prescription drug coverage) premiums and out-of-pocket costs, as well as certain services excluded by Original Medicare. The estimate does not include other health-related expenses, such as over-the-counter medications, most dental services and long-term care.

6. This hypothetical scenario assumes the following: The household contributes up to the HSA family limit each year at the beginning of the year for 30 years, the IRS will increase contribution limits over time to index to inflation and that the earnings are compounded annually, the account is invested with a 7% rate of return, and the family withdraws 50% of contributions each year.

7. Any withdrawals for non-qualified medical expenses are subject to federal and state taxation. Non-qualified withdrawals before age 65 may be subject to an additional 20% penalty.

8. Investor’s Business Daily^® (IBD), March 2020: Best Health Savings Account Providers. Editors identified ten best HSAs based on account features, customer reviews, benefit consultants' input, and Morningstar fund ratings.

9. Morningstar, October 2019: Rankings of 11 top HSA providers. Editors evaluated 11 HSAs that are currently available directly to individuals, as opposed to those available to employers. The study takes into consideration HSA maintenance fees, interest rates offered on investors' checking accounts, additional fees, investment-menu design, quality of investments, price, investment threshold, and performance when evaluating each provider.

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Broker or consultant

Interested in learning more about the Fidelity HSA^® for your clients?

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Funds to Consider

A collection of professionally selected mutual funds tailored to the HSA. With these funds, there are no initial investment minimums or any fees to buy or sell shares

Health insurer

Interested in learning more about the Fidelity HSA^® for your members?

Send us an email and we'll respond by the next business day.

I am...

an individual or family

an employer

a broker or consultant

a health insurer

What is an HSA?

Why Fidelity

The benefits of HSAs for retirement

Get started

Broker or consultant

Funds to Consider

Health insurer

Get more with the Fidelity HSA®

I am...

an individual or family

an employer

a broker or consultant

a health insurer

What is an HSA?

Why Fidelity

The benefits of HSAs for retirement

Get started

Broker or consultant

Funds to Consider

Health insurer

Important Information

Get more with the Fidelity HSA^®