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.

Designed for the savvy investor, our Investor Focus fund lineup contains 32 hand-picked Vanguard funds (see the funds here). Due to our longstanding relationship with Vanguard, 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.

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.