Health Savings Account

Offer more value to your clients—and help grow your business—with a Health Savings Account (HSA)

Paying for healthcare is the #1 financial concern among investors, including millionaires.


% of millionaires who have worries in each
category of well-being

The HSA lets you help your individual clients manage today's health care expenses and plan, save, and invest for current and future health care needs.

It's an open architecture brokerage account with easy setup and ongoing management, and includes:

  • The ability to fund and transfer assets
  • Trading, reporting, correspondence, and service features
  • Cash management features, a debit card, checkwriting, and billpay
The HSA opportunity for broker-dealers and advisors
  • Helps to further diversify your business
  • Potentially increases your revenue and assets under management
  • Provides more value to your clients, deepens client relationships, and improves client retention
  • Supports small-business clients
  • Offers the option to have assets professionally managed

$34.4B in investable assets available1


In 2021, total HSA assets surpassed $98B, $34.4B of which is considered investable (i.e., not in a checking account) and is growing at a faster rate than total HSA assets.

The HSA benefits for your clients

Triple tax advantage

  • Pretax contributions
  • Tax-free qualified withdrawals
  • Tax-deferred earnings

It's the individual investor's money—and it stays with them

  • Completely portable for individual investors—Even if they move, change employers, or change health plans, their HSA stays with them.
  • No "use it or lose it"—The account belongs to the individual and does not need to be used each year.

Flexibility and choice

  • Use it now—Easy access for current qualified medical expenses
  • Save and invest for later—Provides the option to invest some or all of their HSA money for potential growth as a way to prepare for health care costs in retirement
  • Option for professional management of assets

Cash management capabilities

  • HSA-specific debit card provided to registered account owner for all accounts
  • Check writing
  • Electronic billpay
Maximum Contribution for 2023 2 individual $3,850 family $7,750 55+ catch-up contribution for people 55 and older $1,000 Maximum Contribution for 2022 2 individual $3,650 family $7,300 55+ catch-up contribution for people 55 and older $1,000 Eligibility Must be covered by a high-deductible health plan (HDHP) Not enrolled in Medicare and not a dependent on another person's tax return

Awards & Recognition

Fidelity ranked the best HSA for savers and spenders by Morningstar for 4 years in a row3

Educational Resources

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