Transfer your health savings account (HSA) to Fidelity

1. There are zero account fees and zero account minimums for Fidelity HSAs^® offered through Fidelity.com to individuals and employers. There may be commissions, interest charges, and other expenses associated with transacting or holding specific investments (e.g., mutual funds), or selecting certain account features or types (e.g., managed accounts). When a Fidelity HSA^® is offered as part of an employer’s benefits package (which occurs through NetBenefits®), Fidelity charges the employer a recordkeeping fee. This is a common fee charged by HSA providers. This fee may be up to $48/year, but it could be reduced or waived depending on the HSA balance. Employers may pass this fee on to their employees. Contact the employer for more information. Accounts that have been opened through, or are serviced by, an intermediary, or in connection with your workplace benefits, may incur additional fees or restrictions. Account minimums may apply to certain investments, including the purchase of some Fidelity mutual funds that have a minimum investment requirement. If you choose to invest in mutual funds, underlying fund expenses still apply. For more information and details, see the fund's prospectus and/or www.fidelity.com/commissions.

2. Morningstar rated top retail HSA providers for two distinct use cases: HSAs as a spending account to cover current medical costs and HSAs as an investment account to save for future medical expenses. Results published in "2019-2025 Health Savings Account Landscape."

3. When you open an HSA, the default position for uninvested cash is Fidelity^® Government Cash Reserves (FDRXX). See current yield and most recent month-end performance for Fidelity^® Government Cash Reserves (FDRXX).

See how our current rates on cash compare to our competitors here.

You could lose money by investing in a money market fund. Although the fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. The fund may impose a fee upon the sale of your shares. An investment in the fund is not a bank account and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Fidelity Investments and its affiliates, the fund’s sponsor, is not required to reimburse the fund for losses, and you should not expect that the sponsor will provide financial support to the fund at any time, including during periods of market stress.

Fidelity's government and U.S. Treasury money market funds will not impose a fee upon the sale of your shares.

Fidelity Go^® provides discretionary investment management and, in certain circumstances, nondiscretionary financial planning for a fee. Advisory services are offered by Strategic Advisers LLC (Strategic Advisers), a registered investment adviser. Brokerage services are provided by Fidelity Brokerage Services LLC (FBS), and custodial and related services are provided by National Financial Services LLC (NFS), each a member of NYSE and SIPC. Strategic Advisers, FBS, and NFS are Fidelity Investments companies.

Screenshots are for illustrative purposes only.

The information provided herein is general in nature. It is not intended, nor should it be construed, as legal or tax advice. Because the administration of an HSA is a taxpayer responsibility, you are strongly encouraged to consult your tax advisor before opening an HSA. You are also encouraged to review information available from the Internal Revenue Service (IRS) for taxpayers, which can be found on the IRS website at https://www.irs.gov/. You can find IRS Publication 969, Health Savings Accounts and Other Tax-Favored Health Plans, and IRS Publication 502, Medical and Dental Expenses, online, or you can call the IRS to request a copy of each at 800-829-3676.

Be sure to consider all your available options and the applicable fees and features of each before moving your retirement assets.

Investing involves risk, including risk of loss.

Before investing, consider the funds' investment objectives, risks, charges, and expenses. Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Read it carefully.

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