Invest your HSA your way

Investing your health savings account (HSA) money for potential tax-free growth can be a great way to take the sting out of future health care costs.


Which HSA fits your investing style?

Decide if you want to manage your investments, or if you'd like us to do it.


Comparison table


Fidelity HSA®

(self-directed)


Fidelity Go® HSA

(managed account)

Investing


Fidelity HSA® (self-directed)


Fidelity Go® HSA (managed account)

  • We choose and manage your investments for you, taking into account your goals and risk tolerance.
  • Your money is invested in Fidelity Flex® mutual funds which do not charge management fees or, with limited exceptions, fund expenses.
  • We'll watch your account and the markets, making trades to help keep your strategy on track.
  • This account is intended for investing for 3 years or longer.

Minimums and fees


Fidelity HSA® (self-directed)

  • No account fees and no minimum to open an account.1
  • Commission-free trades: $0­3 for online US stock and ETF trades.
  • Depending on which investments you choose, there may be underlying fees.

Fidelity Go® HSA (managed account)

  • No minimum to open an account.2
  • $0 for under $25,000 and 0.35% per year for balances of $25,000 and above; includes unlimited 1-on-1 coaching calls
  • No additional underlying fees for investments (invests in Fidelity Flex® mutual funds which do not charge management fees or, with limited exceptions, fund expenses)

Contributing


Fidelity HSA® (self-directed)


Fidelity Go® HSA (managed account)

Spending


Fidelity HSA® (self-directed)

  • You can withdraw your money at any time, but it may take up to 3 days if you have to sell investments.
  • Spend from your HSA in multiple ways—use your Fidelity HSA ® debit card or Fidelity BillPay ® to pay for eligible medical expenses.
  • Reimburse yourself for eligible medical expenses that you paid for out of pocket.



Fidelity Go® HSA (managed account)

  • You can withdraw your money at any time, but it may take up to 10 days to receive it because the account is fully invested and we'll need to sell the securities for you. You can request a check, EFT, or transfer funds to another account.
  • Reimburse yourself for eligible medical expenses that you paid for out of pocket.
  • If you also have a Fidelity HSA, you can transfer money from your Fidelity Go HSA to your Fidelity HSA to pay eligible medical expenses using your Fidelity HSA debit card.


You may choose to open both a self-directed Fidelity HSA® and a Fidelity Go® HSA, but you'll need to open them both separately.

Doing it yourself? Here are some easy ways to begin investing

hsa-choice-funds_icon

Fidelity HSA® Funds to Consider
A list of professionally chosen funds for HSA investing, these feature waived investment minimums and no transaction fees.


See the fund lineup

Fidelity Health Savings Funds
A diversified single-fund solution, they're designed to balance growth and risk through different market environments.


Learn about the funds

Fidelity® Basket Portfolios

Not your everyday basket investing

A faster and easier way to build a basket of stocks and ETFs and manage it as one investment. More possibilities. More control.

Get started

FAQs

Already have a Fidelity HSA?

Opened by me

Sign in to Fidelity.com to access your HSA account details.


Opened through my employer

Sign in to NetBenefits® to access/activate your employer-offered HSA.


Always know where your HSA stands


Download the Fidelity Health® App to easily access and manage your HSA activity.

Questions?
866-402-7610