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The Investor's HSA

The Original HSA Provider for Vanguard Funds

Since 2004, HealthSavings has offered a wide selection of best-in-class Vanguard® funds to help account holders invest for growth. Our commitment to low costs and highest-value fund share classes has led to our account holders having, on average, five times higher balances than those who have HSAs with other providers.

With more than 15 years as a leading HSA provider and targeted, persona-based messaging that meets employees where they are, we’re a perfect fit for employers looking to add a robust, tailored HSA to their benefits package.

Easy Vanguard Access & Low Fees

Designed for the savvy investor, our Investor Focus fund lineup contains 31 hand-picked Vanguard funds (see the funds here). In addition, we are able to offer access to exclusive low-fee Admiral shares for 15 of these funds.

What’s more, most of our competitors charge trading fees or require minimum investment balances. Some even require you to open a separate brokerage account to get access to these funds. Our HSA offers employees the freedom to invest how they please with:

• No trading fees or investment minimums
• No minimum cash balance needed, so you can start investing with your first dollar
• One of the industry’s lowest average expense ratio of 0.16%

When considering the total cost of other HSA providers’ brokerage account fees, minimum cash balances, and pre-selected funds’ higher expense ratios, our HSA stands out as a comprehensive, cost-effective solution. See how we compare to other providers here.

Industry's Best Employee Education Program

Using extensive behavioral and transaction data, along with direct input from our account holders, HealthSavings has tailored its messaging to be relevant and meaningful to account holders’ specific needs. Our industry-leading employee education program has earned us a 2019 Signature Award for HSA Communications from the Plan Sponsor Council of America (PSCA).

Our communication and education are based on 6 behavior-based customer personas that help consumers reach their goals for health and financial wellness, now and in the future. Learn more about each persona below.

I’m new to managing my benefits and would like to learn how to get the most out of my health savings account.

I use my health savings account to pay for day-to-day medical expenses. Every dollar counts.

I use my HSA to pay for doctor’s visits and medical expenses, but I make enough money that I am thinking about how to use it as a long-term retirement savings vehicle.

I’m focused on investing my health savings account to save for retirement and estate planning.

I am retired or nearing retirement. I’d like to learn how to get the most out of my health savings account at my stage of life.

As a woman, I am likely to incur 84% higher medical costs than men. I would like to get the most out of my health savings account now and in the future.

More HealthSavings HSA Benefits

15 years of HSA administration experience as an industry pioneer

White-glove employer support from designated account managers

Seamless implementation and onboarding process that takes the work off employers’ hands

Full curriculum of in-depth educational materials, including videos, webinars, infographics, and more

FDIC-insured savings account and carefully curated Vanguard investment lineup with no minimum cash balances

Industry-leading online portal enabling employers to easily enroll employees, make contributions, and manage employees’ statuses

90% customer service agent satisfaction rating and over 80% first-call resolution

Tailored, persona-based communication and education experience for employees

Vanguard is a registered trademark of The Vanguard Group Inc.


Announcing our new fund SAVEF, which offers a current 1.05% annual rate of return and a guaranteed return of principal. Learn more about SAVEF here.