Meet the Fidelity HSA®

With a health savings account (HSA), you can pay for qualified medical expenses in a tax-advantaged way, now through retirement.

How can an HSA benefit you?

Who's eligible?

You can open and contribute to an HSA if:

You're covered by an HSA-eligible health plan on the first of the month.


You cannot be claimed as a dependent on someone else's tax return or covered by an ineligible health plan, such as Medicare.

What if I already have an HSA?

Anyone with an existing HSA is eligible to spend, invest, or transfer that money at any time, even if no longer covered by an HSA-eligible health plan.

Why a Fidelity HSA?

The Fidelity HSA is a brokerage account that gives you flexibility with your money. An account with Fidelity offers:

Competitive pricing

Zero Account fees, Zero Account Minimums3, and your cash is automatically invested at a great rate.4

Account integration

Holistic wealth and retirement planning

Investing options

Broad investing options with commission free online US equity stock, ETF and options trades.5

Named best HSA for spenders and investors by Morningstar6

How much does it cost?

Fidelity is committed to offering no-fee HSAs to help make sure you get the most from your health care savings.

Common fees charged by HSA providers Fidelity's fees3
Administration $0
Debit card orders/use $0
Fees to invest5 $0
Paper statements $0

See more common fees

Did you know an HSA gives you more options?

HSAs are different from FSAs

HSAs are not "use-it-or-lose-it," and they generally cover a broader range of qualified medical expenses than flexible spending accounts (FSAs).

Chart: HSAs vs. FSAs

HSAs are not always employer-offered

Although many employers offer HSAs during annual enrollment, you can open one with any HSA provider.7

Personal HSA flexibility

Ready to get started?

Already have a Fidelity HSA?

Opened by me

Sign in to to access your HSA account details.

Opened through my employer

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


Looking for an HSA for your business or clients?