HealthEquity Mobile app
Manage your health benefits on the go.
HSA Guide
HSA like a pro
Stretch your dollars further and put more money in your pocket. Health Savings Accounts empower you to save more, spend smarter and invest in your healthcare future.
What is a Health Savings Account?
A health savings account (HSA) is a tax-advantaged account that works with an HSA-qualified high-deductible health plan (HDHP) to help you pay for qualified medical expenses. Money goes in tax-free, grows tax-free, and comes out tax-free for qualified expenses — a triple-tax advantage1.
Unlike a flexible spending account (FSA), your HSA funds roll over year after year2. An HSA is a portable account you own — it stays with you even if you change employers or health plans2.
Once you meet certain criteria, you can also invest your HSA funds for potential long-term growth3.
Tap into health savings.
EZ Receipts Mobile app
Snap photos of receipts to store and submit for reimbursement.
Am I eligible for a Health Savings Account?
To be eligible for an HSA, you must be enrolled in a qualified high-deductible health plan (HDHP).
How do I sign up?
If your employer offers an HSA, you can enroll during open enrollment. Already have an account? Set up your account online.
Save
Enjoy lower health plan premiums
HSA-qualified health plans typically have lower monthly premiums.
Keep your premium savings
Put the money you save on premiums into your HSA where it grows tax-free.
Take advantage of triple-tax savings1
Contributions are tax-deductible, growth is tax-free, and withdrawals for qualified medical expenses are tax-free.
Roll over funds
Unlike FSAs, your HSA balance rolls over year after year.
Roll over funds
The more you contribute, the more you save
Maximize your HSA by contributing up to the annual IRS limits. Check out our contribution calculator
HSA Annual Contribution Limits
Individual coverage: $4,400 (2026)
Family coverage: $8,750 (2026)
Catch-up (55+): additional $1,000
HSA Annual Contribution Limits
See how much you could save next year
1 Tax savings depend on individual circumstances.
Spend
HSA qualified medical expenses
Use your HSA to pay for a wide range of qualified medical expenses5.
Dental
Vision
Medical
Ready to shop? Visit the HSA store
Browse thousands of HSA-eligible products.
Your savings can add up fast
Smart spending choices stretch your healthcare dollars4.
Invest
Your retirement engine
Your HSA can be a powerful retirement savings tool9. Learn more about HSA investing.
HSA vs. 401(k)
An HSA offers triple-tax benefits that even a 401(k) cannot match.
Accelerate your health savings
AutoPilot
Automatically invest your HSA funds once your balance reaches a threshold.
GPS
Guided Portfolio Summary helps you build a diversified investment portfolio.
Start building health savings today
Open an HSA or maximize the one you already have.
Have questions? Visit our help center.
Find answers to common questions about HSAs and other benefit accounts.
Visit our Help CenterHSA Videos
How does an HSA work?
Watch short videos to learn how to make the most of your HSA.
How to use your HSA
Video
What is a Health Savings Account?
3 min watch
Video
Am I eligible for a Health Savings Account?
2 min watch
Video
How much should I contribute to my Health Savings Account?
3 min watch
Video
Should I invest my Health Savings Account?
4 min watch
Video
On the go: Access your account anytime
1 min watch
Video
For the unexpected: Focus more on the now, less on the cost
1 min watch
Video
Savvy investing: Full access to your funds from anywhere
1 min watch
Video
Planning for procedures: Finding the best way to pay with your HSA
1 min watch
Video
Retirement: Planning for your future
1 min watch
Return to content 1 HSAs are never taxed at a federal income tax level when used appropriately for qualified medical expenses.
Return to content 2 HSA funds carry over year to year.
Return to content 3 Investments are subject to risk, including the possible loss of the principal invested.
Return to content 4 Estimated tax savings are for illustrative purposes only.
Return to content 5 Qualified medical expenses are defined under Section 213(d) of the Internal Revenue Code.
Return to content 6 Data referenced from published IRS guidance.
Return to content 7 Source: Consumer.ftc.gov/articles/0063-generic-drugs-and-low-cost-prescriptions
Return to content 8 Source: Debt.org/medical/emergency-room-urgent-care-costs/
Return to content 9 After age 65, HSA funds used for non-medical expenses are subject to income tax but no penalty.