Health savings accounts

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

Looking for an HSA for your business or clients?

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?

checkmark 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.

Choose from 2 different HSAs

Choose the Fidelity HSA®, a brokerage account that gives you flexibility with your money. It offers:

  • No account minimums or fees3
  • A wide range of investments, from stocks and bonds to mutual funds, and ETFs—plus cash options and fractional shares

Or choose the new Fidelity Go® HSA.

It’s an easy, affordable way to enjoy the benefits of professional money management.

How much does it cost?

With the Fidelity HSA®, enjoy no account fees3 so you can get the most from your health care saving.

With the Fidelity Go® HSA, you'll pay no advisory fee for balances under $25,000 and 0.35% per year for a balance of $25,000 and above.

Common fees charged by HSA providers

Fidelity's fees3

Account opening $0
Administration $0
Excess contribution reimbursement $0

See more common fees

The Fidelity HSA®

Named for Investment Quality, Investment Options, and Low Fees5


Ranked the #1 HSA provider among 10 of the largest HSA providers6

2019, 2020, 2021 & 2022

These third-party accolades of Fidelity as an HSA provider were for the Fidelity HSA® only. This should not be construed as an evaluation, endorsement or opinion of a Fidelity Go® HSA.

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.4

Personal HSA flexibility

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.