Fidelity HSA^®

(self-directed)

Fidelity Go^® HSA

(managed account)

• You choose and manage your own investments.
• Your investments may consist of stocks (including fractional shares), bonds, ETFs, mutual funds, and more. Or select from a list of professionally chosen mutual funds for HSA investing.
• For help selecting between our self-directed options, use our HSA Investment Review Tool.
• We offer market insights to help you monitor and adjust your investment choices, plus easily set up automatic investments.

• 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.

• 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.

• No minimum to open an account.²
• Under $25,000: $0
  0.35% per year for balances of $25,000+; 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)

• Make contributionsLog In Required in cash, transfers from another HSA, or a one-time contribution from an IRA.

• Make contributionsLog In Required in cash, transfers from another HSA, or a one-time contribution from an IRA.

• 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.

• 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.