Open a Health Savings Account
Unlock More Affordable Health Savings with HealthEquity
A Health Savings Account (HSA) is a tax-advantaged way to save, spend, and invest in healthcare expenses. Open an HSA and make a contribution, and we’ll match the first $251
Open an HSAAlready have an employer HSA? Access it here
Now includes ACA Bronze plan members
Why a HealthEquity HSA?
Pay for healthcare
HSAs cover thousands of qualified medical expenses, including doctor visits and over the counter medications.
Get $25 on us
Open and contribute to your account and we'll match the first $25.
Use pre-tax dollars
Helps make health expenses easier to manage, so you can save for other things that matter.
Save for the future
An HSA offers ways to watch your money grow, to build a nest egg or use toward tomorrow's health needs.
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Start building your healthcare savings today.
Save on eligible medical expenses now and carry over savings for the future — all tax-advantaged.
Open an HSA todayWhat is an HSA?
An HSA is a tax-advantaged savings account that you can use to cover qualified medical expenses now or in the future. Now, ACA Bronze plan members are eligible for this benefit to help make healthcare more affordable.
Now including ACA Bronze Plan Members
Can I open an HSA?
You can open an HSA with HealthEquity and start saving on out-of-pocket healthcare costs if:
- You have a high-deductible health plan (HDHP) or an eligible ACA Bronze Plan.
- You’re not enrolled in another non-qualified health plan.
- You’re not enrolled in Medicare
- You’re at least 18 years old and not claimed as a dependent
How to open an HSA
Open in minutes. Start saving for life.
Sign up online
We'll collect some information to start your account, and verify if you meet eligibility requirements.
Connect your bank
We'll link your account through a secure financial platform.
You fund. We contribute.
Open your account today and we'll contribute $25 to get you started.
Health Savings Account FAQs
You’re eligible to open an HSA if you’re enrolled in a qualifying high-deductible health plan (HDHP), are not enrolled in Medicare, are not claimed as a dependent on someone else’s tax return, and do not have any other disqualifying health coverage. For more information, see IRS Publication 969 for eligibility criteria. HealthEquity does not verify HSA eligibility.
Yes. Starting January 1, 2026, ACA Bronze Plans qualify as HSA-qualifying coverage.
Yes, you can open an HSA on your own as long as you meet the HSA eligibility requirements. Employers may offer the convenience of payroll contributions, but you can also set one up independently.
Save, grow, and invest with an HSA.
Keep more of your money today, roll over unused funds for the future, and set aside a tax-free nest egg for retirement.
Open my HSA todaySave on your healthcare
Use tax-free money to pay for doctor visits, prescriptions, and dental care.
Grow your future savings
Your HSA funds never expire — they carry over every year with no use-it-or-lose-it.
Invest in your retirement
An HSA works like a second 401(k) — grow a tax-free nest egg for retirement.
1The $25 match is a limited-time offer, subject to change or termination at any time. To receive the match, your HSA must remain open and in good standing for at least 90 days.
HealthEquity does not provide legal, tax or financial advice.Always consult a professional when making life-changing decisions.
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