RETIREMENT

Help drive value and business growth with the Fidelity Health Savings Account (HSA)

HSAs may provide a powerful, triple tax‑advantaged way for individuals to save for health care expenses. By offering an HSA solution, you can add meaningful value to your clients’ financial plans while expanding your firm’s ability to help them prepare for current and future health care needs.

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Differentiate your retirement offering with Fidelity HSA

Broker-dealers and advisors can expand their business and ability to solve for life planning goals by offering HSAs, an additional element of diversifying to help attract and retain clients.1

  • Deepen client relationships and improve retention
  • Potentially increase revenue and assets under management
  • Accessible via WealthscapeSM brokerage platform

An opportunity to potentially differentiate and increase AUM



In 2024, HSA assets totaled nearly $147b, including $64b in investable assets (e.g., not in a checking account). And the investable assets have been growing at a faster rate than total HSA assets.2

2. 2024 Year-End Devenir HSA Market Survey, press releases, previous market research, and market growth rates. April 2024.

1. Diversification does not ensure a profit or protect against a loss.
3. Morningstar®, 2025 Health Savings Account Landscape as of 09/2025 - Previous years awarded: 09/2024, 09/2023, 09/2022, 09/2021, 09/2020, and 09/2019.
4. Best HSA Accounts 2026: Find The Right One For Your Retirement | Investor's Business Daily

Convenient benefits for your clients

Triple-tax advantages

Clients can experience powerful tax impacts with an HSA. Pre-tax contributions that may reduce taxable income. Tax-deferred investment growth. Tax-free withdrawals for qualified medical expenses

Flexibility, choice and control

An HSA gives clients control over their health savings. Their account stays with them even if they change employers or health plans. They can choose to save and invest for future expenses or use funds today—giving them flexibility at every stage.

Simple access to spend and invest 

Clients can easily access funds using a debit card, check writing, or electronic bill pay, while also investing through brokerage style tools that support investing, rebalancing, and asset management in one account.

 

Health care is one of the biggest expenses in retirement.

 

Offering an HSA solution helps your clients prepare for rising health care costs in retirement. With an open‑architecture brokerage account, clients can plan, save, and invest through a flexible platform they can easily set up and manage.

A 65-year-old individual may need $172,500 in after-tax savings to cover health care expenses in retirement.5

5. How to plan for rising health care costs 



6. Contributions can be made up until your tax filing deadline, subject to IRS regulations.

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

HSA Educational Resources

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Introduction to Health Savings Accounts

High level review of HSA Accounts including updated contribution limits.

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Why HSAs Are Important

A review of why HSAs are important including market performance, client verbatim, and benefits to the end investor.

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Surprising costs covered by your HSA

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HSA "4 Things" to know

Fact Sheet

5 Ways to Use Your HSA in Retirement

Fact Sheet

HSA End Investor

Let’s Connect

Interested in Health Savings Accounts? Contact us to learn more.

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