Open enrollment is here. Take control of health care costs, retirement savings—and more!

When you’re self-employed, open enrollment may be the best time to reset your annual spending and savings. Learn how an HSA, small business retirement account, and other Fidelity plans can help.

Fidelity has teamed up with Stride1 to help you find your next health plan

Get the support you need as you consider a new health plan at a price that works for you. You may be able to save even more when you sign up for an HSA-eligible health plan.

Stride app displayed on smartphone

Health, dental, and vision insurance

Find affordable health insurance—including HSA-eligible plans

Stride, a certified enrollment partner of, lets you compare available health plans and other insurance. Get recommendations based on your health needs, prescriptions, and doctor preferences. Apply in 10 minutes or less.

3 out of 5 people find quality plans for under $50/month.2 Open enrollment ends soon!

If you're 65 or older, Fidelity Medicare Services® offers complimentary guidance to help you find coverage that's right for you.

Health savings account

Now’s your chance to save with the #1 HSA3

Triple-tax advantage4

Tax-deductible contributions to lower taxable income, tax-free withdrawals for qualified medical expenses, and any investment growth is tax-free

Self-employment tax savings

Save 15.3% on contributions, since you’re paying as both employer and employee—thanks to the Self-Employed Contribution Act (SECA)

Spend now or invest for the future

Savings aren’t use it or lose it. HSAs are flexible—balances can carry over from year to year and be invested.

Open an account

More options to save, spend, and help protect your hard-earned money

Small business retirement plans

Save flexibly for retirement

No matter the size or shape of your business, we can help you find a plan to save for your future. Learn how a self-employed 401(k), SEP IRA, SIMPLE IRA, or Fidelity Advantage 401(k) might be right for you.

Launch the Small Business Plan Selector

Cash management account

Get your finances in order

Track your income and expenses online, while saving for short-term goals like taking time off. Our award-winning5 Fidelity Cash Management Account6 can earn interest as you save with a competitive rate—currently 2.72% APY.*

Open an account

Term life insurance

Protect your loved ones in your absence

The unthinkable can happen anytime. If it does, without the life insurance coverage an employer might provide, your loved ones could be in a bind without your income. Term life insurance7 can help.

Get your quote

*Source: Fidelity rate as of July 31, 2023. FDIC Monthly National Deposit Rate as of July 17, 2023.

Let's talk costs

Every dollar counts when you work for yourself, so we focus on making things affordable. In most cases, no fees are associated with these accounts.

Health savings account

No account fees or fees for administrative services8

Cash management account

No account fees or minimums9 and ATM fees reimbursed globally10

Small business retirement plans

No opening cost, closing cost, or annual fee and $0 commission for online US stock, ETF, and options trades†‡

Term life insurance

Costs depend on size and term of your policy

More self-employment resources

Benefits basics for self-employed

A guide to health coverage, life insurance, and retirement plans.


Start and grow your business

Explore what you need to know to become your own boss.


Why an HSA-eligible health plan?

Consider this hypothetical scenario of your potential savings with an HSA.

Resource (PDF)


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