By Dan Miller, WCI Contributor
A Health Savings Account (HSA) can be one of the best investment options available to savvy investors. In addition to its stated purpose as a tax-free way to save on medical expenses, it is also a bit of a “stealth” retirement account. But choosing an HSA can be a daunting experience—you'll want to find an HSA custodian that offers a wide array of investment options while also choosing a custodian that minimizes fees.
Remember that in order to contribute to a HSA, you must have a High Deductible Health Plan (HDHP) as your only health insurance. Do not choose a HDHP JUST to get a HSA, but if an HDHP is right for you, be sure to take advantage of having access to an HSA.
What Is a Health Savings Account?
Health Savings Accounts (HSAs) were first established with the Medicare Prescription Drug, Improvement, and Modernization Act in late 2003. HSAs are triple-tax advantaged, because you deduct your contributions; your earnings grow tax-free; and, as long as you withdraw the money to pay for qualified medical expenses, your withdrawals don't get taxed.
To open or contribute to an HSA, you must have a high-deductible health plan (HDHP). An HDHP is a type of health insurance plan that comes with a higher-than-average deductible. The IRS sets the income limitations for HDHPs, and the deductible and out-of-pocket annual maximums are indexed for inflation. In 2022, the IRS has defined a high deductible health plan as any plan with a deductible of at least $1,400 for an individual or $2,800 for a family with total out-of-pocket expenses of $7,050 for an individual or $14,100 for a family.
There are many reasons why an HSA should be your favorite investing account, even besides the amazing fact that HSAs are triple-tax advantaged. Unlike contributions to IRAs, there are no income restrictions to investing in an HSA, which makes them even more valuable for high-income professionals. Also, high-income professionals are more likely to have the cash flow to manage a high annual deductible, which makes signing up for an HDHP less of a potential burden if the person gets seriously ill.
In 2022, the HSA contribution limit is $3,650 for a single person and $7,300 for a family.
How to Choose a Health Savings Account (HSA)
Typically, employers offer HSAs as an employee benefit, but you're eligible to open an HSA even if your employer does not offer one, as long as you're covered by a high-deductible health plan. And if your employer does offer an HSA, you don't actually have to use that one. There can be advantages to using the HSA that is offered by your employer, especially if your employer makes or matches contributions to your HSA. But it isn't imperative. Look around at several different HSA custodians, compare their offerings, and make an informed decision about which HSA is best for you.
Best Place to Open an HSA account
When deciding where to open your HSA, you should first think about what features are the most important to you. HSA fees, investment options, cash options, convenience, and features are all points of comparison that you'll want to look at. To help you decide the best place to open an HSA account, The White Coat Investor has compiled a list of the best health savings accounts, and we've done an in-depth comparison between two of our top choices—Fidelity and Lively.
How to Compare HSA accounts
When comparing Health Savings Accounts, you'll want to decide what account features are most important to you and use that as a basis for your comparison. If you're not going to regularly use and withdraw the money in your HSA (until retirement), then expense categorization may not be an important feature for you. If you're planning on using your HSA as a “stealth IRA,” the two features you're likely most interested in are the overall fees and making sure there are investments available with low expense ratios (like index funds).
Do All HSAs Have Monthly Fees?
Fees in Health Savings Accounts vary by custodian, and you'll want to make sure to choose an HSA custodian that minimizes the fees that you have to pay. Some custodians charge a monthly, quarterly, or annual fee just to keep your HSA open. Also, the investments offered by most HSA custodians generally charge expense ratios, which can impact your total return on investment (ROI). Make sure you understand the various fees that your HSA custodian charges so you can make an informed decision.
Is There a Penalty to Use HSA Funds for Non-Health Expenses?
Yes, there is a substantial disincentive to using HSA funds for non-health expenses. If you use the money in your HSA for a non-medical expense, you'll owe a 20% penalty on the total amount that was used for non-qualifying expenses. On top of that, the IRS will treat any non-qualified expenses as ordinary income, meaning that you will have to pay income tax on them on top of the penalty.
One exception to the penalty for using HSA funds for non-health expenses is once you reach the age of 65. After age 65, you can withdraw any money in an HSA without penalty. One important thing to keep in mind, however, is that if you use your HSA money for nonqualified expenses in retirement, you'll still owe income tax (just not a penalty).
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[This updated post was originally published in 2012.]
I would like to steer everyone away from Health Savings Administrators. Not only are their fees ridiculous but they make you fill out a from and mail it in to close your account. Talk about a bunch of scammers.
DON’T USE HEALTH SAVINGS ADMINISTRATORS!
What fees do you view as ridiculous? What is the scam? Having to close the account in writing?
Im finally starting an HSA account, and have previously asked about where to fund it in another thread (but this thread seems more recent/relevant). My work offers an HSA through Benefit Wallet, which after 1000 dollars allows you to invest in their select funds. While they do charge maintenance fees, they are all paid for by my employer so their effect is negligible unless I leave my employer. Although most of their funds charge a high ER, one of their funds is Vanguard Total Stock Market (VTSMX), with an expense ratio of 0.17 (the index fund, not an EFT). I was initially going to set up an account at HSA Bank and direct my employer to deposit money there, but then they will not cover any fees (which I believe will be around 60 dollars a year until I hit their minimums).
Since I will just be starting off , I think Benefit Wallet might be the better option for now, until I amass enough assets to make switching worth it. Here’s my thinking:
As a single person, I will only be able to invest 3350, which my group’s payroll does over each paycheck, and not as a lump sum. Once I hit the 1000 dollar threshold to invest via BenefitWallet, I will direct all of the future investments to go into the VTSMX. This has an ER of 0.12 more than a Vanguard EFT would (0.17 vs 0.05) if I invested in HSA Bank, but without any of the maintainence fees (bc my employer pays them). I also dont plan on needing to pay any other fees because I am using this solely as a “stealth IRA”. But considering HSA bank would cost me ~60 per year vs. nothing for BenefitWallet, I would need about $50,000 in my account before the difference in the ER covers the fees for each year ($60/0.0012) . For the first year of investing $2350, the cost of an ER of 0.12% more is only $2.82. Therefore I think it’ll be best to invest in VTSMX via benefit wallet, and once I get a balance high enough to be worth it then switch to HSA Bank, or if I leave my employer (and then get subjected to paying for the management fees of Benefit Wallet) switch over then. I mean $2.82 in “lost fees” due to a higher ER is better than $60
-Any thoughts?
-Is my math accurate?
Thanks to everyone who posted above for your insight.
Sure, if they’re going to pay the fees, it will be worth paying a slightly higher ER for a while
The new fees for optum are .03% per month on invested money with a max fee of $10 per month. They offer more vanguard funds now. Also the minimum to avoid 2.75/month fee is $3000 in savings.
For HSA bank
Just to be clear if I keep 5000 in savings with HSA bank the the only fee I pay per year is the 25 dollar transfer fee if I do it all at one time to td?
Is HSA bank still better than optum?
I think HSA is better. I think I pay something like $60-80 a year without leaving anything at HSA Bank (all invested at TD Ameritrade). That sounds like less than $10 a month.
I leave exactly $5000 in cash with HSA, and my fees for the year total zero. I consider this part of my cash allocation across my total portfolio. I don’t pay anything for transferring funds into TDA, which I do once a year shortly after I make my contribution in January. The one potential downside of using HSA Bank is their customer service, which many have complained about. Since I haven’t had the need to contact them about any issues yet, I can’t comment one way or the other on that subject. Hopefully, by the time I need to access these funds, they will have their act together.
Hi, I am starting an HSA this month and will be able to contribute up to $373.00 per month through payroll. I’d like to invest rather than spend the cash. I don’t have $5000. to invest right off the bat, or even the $3350.00 max yearly contribution. Should I go with HSA Bank, and immediately invest in a low fee mutual fund? If so, which mutual fund do you prefer? Thanks, Jodi
HSA Bank is a good choice for someone who wants to invest. You might also look into Saturna which recently lowered fees. Any broadly diversified mutual fund is probably fine. I use the Vanguard Total Stock Market fund. But if you might actually need this money for health care expenses in the next few years, a balanced fund may be a better choice.
It looks like Saturna is fee free if I choose one of their proprietary mutual funds. Would you by chance know which of their products would be close to the Vanguard Total Stock Market Fund? Thanks, Jodi
I don’t know much about them. You might want to ask The Finance Buff. He just did a post on them. But his suggestion was buy Vanguard funds there and pay a fee to do so. If you only do it once a year the fee is less than HSA Bank’s monthly fees if you don’t want to leave $5K in cash.
Jodi, I started much like you with no initial bank roll to put in and payroll limitations on contributions being spread throughout the year with no real easy way to get a lump sum in mid year for catch-up. Being single, the $~138/pay period was going to lose a few percent off the top every month just for having it placed somewhere. I’m not a doctor like most folks here but do make an above average salary in my IT world and have found this place to be offer some sound financial advice.
I ended up going with HSABank because I plan to back-door it for triple tax advantaged savings rather than medical expenses (I effectively have none right now). Plus, it’s a division of Webster, which has about 30 branches in a 10 mile radius of me, so if i ever needed to go in face to face, I felt more secure with that than some “GiveUsYourHSAMoney.biz” that I never heard of before.
After a few months of paying in to the cash account only, (~$500) i ‘bought’ the rights to use TD for trading. I enrolled in the 0 fee trade plan. I moved $400 over and bought 4 shares of VTI (at the time, it was $98.xx)
I then set up monthly automatic transfers of $200 from HSA to TD. Since this is only about 75% of my monthly contrib, this will allow my cash/checking side of the house to grow over time and eventually get to the 5k threshold– OR, act as short term cash should I need it for something major (snowboarding crash maybe? I’m mid-30s and pretty healthy) that I don’t want to pay for out of pocket. My HSA has a $1500 ded and 3k max year OOP so it’s a pretty good plan and keeping 5k off the bat for medical was not a major concern to me.
In the meantime, my brokerage account will continue to grow and the goal is for the gains to offset the costs on the <5k cash side of the house.
Once it's at 5k, i plan to roll all funds into the brokerage side monthly.
I check my holdings basically every day, so i don't automate my trades, but if you are less interested in monitoring, I think you can set up scheduled buys in TD as well.
That's what I'm doing, and it's worked out well for me. Good luck!
I’m guessing the fees at Optum bank are different depending on how your employer has set it up with them.
For example, in our plan, we have $0 fee for account maintenance, and $0 for the investment account. You just have to keep $2k in the cash account to use the investment account.
I had to pour over the fine print and triple check it to be sure, but it is indeed $0 fees for our plan through our employer.
I guess the only cost would be the opportunity cost of the $2k sitting in the 0.2% interest bearing account, but if one is already maxing out your other tax deferment vehicles, this is a no brainer.
Just to add my 2 cents… I think there are really NO great options for HSA’s right now. It is a matter of choosing the least of the possible evils. My wife’s employer uses Optum so I just went through the setup with them.
As posted above it is $2k minimum in cash account to be eligible for investment account. Also there is $3/month charge for having an investment account unless you hit $3k minimum in the cash account, at which point that $3 fee is waived. Also they charge 0.03% monthly maintenance fee on the investment account portion (caps at $10/month).
However on a qualitative note, Optum’s website is terrible. I have literally spent the last 4 hours just to do basic setup tasks because it crashes on most of the links. They have speedy customer service if you call them but still, makes me wary when a bank that is managing my money has such a barely functioning website. Their fund offering is OK and I am not aware of any fees for re-allocating funds. All in all I would not recommend them although the other options out there are not much better.
I hope this thread keeps active as better banks join the HSA landscape.
I think you’re way too negative. I see LOTS of great options. You’re just choosing between good and great and better and best. I mean, your “bad” option is a $36 a year charge? Were you expecting them to do it for free? And you’re complaining about 3 basis points? I mean, take a look at your 401(k). My very good 401(k) either charges 0.2-0.3% or $200 a year. The Utah 529, perhaps the best in the country, adds on a charge of something like 15-20 basis points to the ERs of the funds.
I can’t speak to Optum’s website, but HSA Bank’s has been pretty much flawless for me. I had to call and ask them where a link was once, but I’ve had to do that with Vanguard before too.
I think your expectations are way too high if you think these are terrible HSA options. There are terrible HSAs out there, but I don’t think the ones being discussed are terrible, much less “evil.”
I mean, my latest complaint with HSA Bank was that they didn’t pull money from my MMF at TD Ameritrade to pay their fees. They sent me a letter instead and I had to transfer the money myself. Big friggin’ deal. Meanwhile, I have my entire HSA invested in TSM at 5 basis points all for a fee that totals something like $60 a year. A deal at twice the price.
Fair enough WCI. My comment was too negative. I was fresh off the frustration of Optum’s website and that seeped through a bit too much. Your objective framing of the costs from these vendors is accurate and clearly shows that their fees are reasonable and in line with other larger banks. Still I have found dealing with IRA’s and 401ks much easier (Fidelity, Vanguard, Schwab) especially with regards to their websites. I will give HSA Bank a try based on this post. Thanks!
Here is my situation that I am hoping some of you will comment on.
This coming year I will be able to invest my HSA funds in something a little more aggressive than where it is now, Ally Bank money market earning 1%.
Ally Bank doesn’t have any decent investing products, so I am comfortable switching my HSA to Saturna.
My goal is to use the HSA as an investment vehicle rather than for medical expenses but aside from my 4 months of emergency fund before my 3-month-wait disability insurance policy kicks in, I do not have funds elsewhere to meet the worst-case scenario catastrophic year-end medical expense, meaning that feasibly I could indeed be forced to tap the HSA. Also meaning that the HSA funds should be kept in a conservative environment.
I have decided that a bond fund suits me to invest my HSA money, specifically an ETF (VTIP) Short-Term Inflation-Protected Securities ER 0.08%, no minimum investment
Do you have an opinion on how different VTIP would be from what I currently have, money market earning 1% at Ally Bank? In other words can I expect VTIP to outperform 1%? Of course none of us know the future but I’m wondering if it is even worth the hassle to move my HSA from Ally Bank to Saturna just because Saturna offers better investment options just so I can buy VTIP at Saturna?
But here’s the other part of my issue: I am comfortable considering my HSA as part of the “bonds portion” of my total portfolio. This means that buying VTIP in my HSA will allow me to take the same amount VTIP OUT OF my SEP IRA and put it INTO a (hopefully) higher earning stock fund in my SEP IRA; this amount I am talking about is only in the range of about 3% of the total portfolio, so not that significant but not to be ignored either.
Any comments on HSA funds earning
1% in the money market
versus
VTIP + allowing the same dollar amount to be invested in a stock fund in my SEP IRA.
Thanks
In the long run, I would expect a bond fund to outperform a savings account. By how much? Not a lot. For instance, this year it’s up 1.5% and a savings account is up 1%. Future expected returns from that fund? I would expect – 0.33% real, so in a 2% inflation scenario, something like 1.7% a year.
I consider my HSA a different account from my retirement funds (different goals.) But if you prefer to lump them all together, then sure, it’s fine to put bonds in one and stocks in another. But that works both ways. For instance, you could put the HSA in stocks and if you have to tap it, buy stocks elsewhere and sell the HSA stocks.
The other nice thing about an HSA (assuming you have some other funds) is you can invest it aggressively and if you need to tap it while the market is down, you can just delay the withdrawal by a year or three until it has recovered.
How do you delay the withdrawal, exactly?
You can reimburse eligible health care costs at any time in the future if you save your medical receipts. In other words, if I had a co-pay for a exam last year for $50, I could pay myself back this year, next year, or any time in the future.
I did not know that. Wow, that makes this account even more awesome.
So I can save receipts now as a 30-something and, assuming inflation doesn’t make the reimbursement worthless, pay myself back solely with earnings by leaving it invested for a few years. Incredible.
this may be a dumb question but does it matter tax wise if you contribute to the hsa all at once vs each paycheck? I plan on doing it all at once so I can contribute the full amount to investing immediately -vanguard total stock market- instead of month by month.
Thanks
If your employer pulls it out of your paycheck you don’t pay payroll taxes on it. If you pay it yourself, you do. But whether you make 12 payments or 1 doesn’t matter.
I ran into this PDF today listing the ‘best 2017 HSA providers’.
https://www.investors.com/wp-content/uploads/2017/03/BestHSA032017-1.pdf
nice to see the asset and account numbers.
I’m still with HSA bank.
The usual players on the list. A couple I hadn’t seen there before. Surprised Alliant wasn’t on it. As “savings account” type HSAs go, that’s a pretty popular one. I guess it’s only paying 0.65%. For some reason I thought it used to pay 2%. Maybe they cut the rate.
I wonder what the investing options for Avidia and BOA are.
I was trying to post a chart of BOA’s investments, though I can’t seem to do it and I don’t want to retype it all out. There are over 50 funds – though that has changed as some were closed to new investors and the Vanguard being replaced with Blackrock. I will work on this so I can post it.
My employer is now offering a HDHP for my family so I will be eligible for an HSA. Their carrier is HSA bank, which seems like a great option.
It seems like they use a 3rd party investment company in Memphis that is an “in between” between my employer and HSA bank. I have asked my employer to provide me with their contact so that I can determine if they also skim some from my contributions/charge their own fee. In your experience, would this be common? If they charge something, I would assume I would need to get my own directly through HSA bank?
Thanks.
Yes, check with the employer to see if you can get them to send the money directly to HSA Bank because that will save you payroll taxes. Otherwise, you’ll have to decide if your saved payroll taxes exceed the additional fees from this third party. They probably do, but that still sucks to pay unnecessary fees.
Brian – Thanks so much for posting that. Very nice to have a “at-a-glance”. Some of those those investment thresholds seem really high. They may be offering a better % and a lower monthly maintenance fee than what I’m getting at BOA, but I would rather have more of my money invested. BOA did this month release the only 3 Vanguard funds they had and replaced them with 2 Blackrock funds (same class). Not happy. In addition, BOA lowered many expense ratios on their investments which was a nice surprise, moving them to admiral shares. I’m sure someone in a back room got some kickbacks when Vanguard wasn’t in their new portfolio.
Thanks for all this information. Seems like HSA bank is the clear way to go, but there are not many comments about the Bank of America HSA. Can anyone comment on a comparison of the Bank of America HSA to HSA Bank?
Here’s a nice thread on it: https://www.bogleheads.org/forum/viewtopic.php?t=117644
I think I’d still take HSA Bank, but it does look like BOA is getting better.
https://corporate1.morningstar.com/ResearchLibrary/article/813893/2017-health-savings-account-landscape/
https://www.investors.com/news/special-reports/best-hsa-providers-by-fees-features-and-investment-options/
The second link isn’t as clean as I would want it. I have it all on one page. I like Bank Of America, even for some of its faults. The did finally update their web-site this March / April and looks much better. They have cleaned up or (shorten) their investment options.
We’re just opening up an HSA. Funds will be contributed from the paycheck biweekly. We plan on using it as a stealth IRA. Based on everything above, HSA Bank still seems to be the way to go. However, it looks like they no longer offer Vanguard funds commission-free.
https://research.tdameritrade.com/grid/public/etfs/commissionfree/commissionfree.asp
My preference would be to invest in VTI or VOO. Would you still recommend HSA Bank in that case or go with someone like HSA Administrators, who have commission-free Vanguard funds?
Thanks in advance!
I’m still buying VTI there once a year and plan to pay the $5 commission. But there are other good ETFs if you don’t want to do that.
I transitioned all my VTI to SPTM. Seems others have done the same.
https://www.bogleheads.org/forum/viewtopic.php?t=230074
over the 5 year, they track nearly identically
https://finance.yahoo.com/chart/VTI#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
Not sure it’s worth it to save $4.95 a year. If I were doing more transactions than that, it would be worth considering.
My grandfather used to say “Watch your pennies, and the dollars will take care of themselves…” He retired a multi-millionaire, when $1,000,000 was a lot of money.
Consider the following funds instead: SPTM, SPYD, SPYV, Total Stock Market, S&P Dividend, and Large Cap Value, respectively. All trade commission-free and have extremely low costs.
WCI,
I am just out of residency and have established an HSA with HSA Bank that I fully funded the family maximum of $6,750 for the calendar year of 2017. I have moved the money over to the TD Ameritrade account through HSA Bank in order to invest it. I noticed in this post that you are using the VTI ETF, as it was commission-free when you started your account. It appears it now has a $6.75 commission. I want to invest in something broadly diversified like the Total Stock Market as you have done. My question for you is the following: Should I invest in an ETF like VTI and pay the $6.75 commission or should I invest in a mutual fund like the VTSAX (it appears it doesn’t have a minimum account limit on TD Ameritrade although it does on my Vanguard account)? The mutual fund fee appears to be $25. I would greatly appreciate any advice! Thanks for everything you do!
Anytime I want to add to my Vanguard ETFs, I just call my investment rep. and request free trades. Never a problem…ymmv
I’m still using VTI and paying the $6.95 commission. If you wish to avoid that you could try something like SPLG. https://research.tdameritrade.com/grid/public/etfs/commissionfree/commissionfree.asp
I just started using an HSA after reading your book with my family with a high deductible plan outside of my employer (bc/bs of alabama). my employer doesn’t offer one. how do I have them directly deposit into the HSA? they are telling me that I will have to pay out of pocket then take the tax deduction later. does that sound correct?
Yes. That’s what I do. It’s better if your employer will do it directly (saves you some payroll taxes) but you take what you can get. Be sure you’re not turning down a significant employer subsidy of health insurance just to get a HDHP/HSA.
Check this out before going with HSA Bank.
https://www.youtube.com/watch?v=HGczzlwr9AY
I have 60K invested with Health Savings Administrators. It is all in VTSAX.
These are their fees: Administrative Fee: $45 per year. Fee deducted from account balance.
Custodial Fee: 6.25 basis points per quarter (i.e., $0.625 per $1,000 every three months).
Fees will be deducted from the account balance quarterly.
I am no longer eligible to make contributions. If I decide to make a change, what is the least expensive option for me ? Thanks.
Have you considered transferring into Fidelity? They recently added a no fee HSA product available to all, not just those with employer based plans. I transferred from HSA Bank over to Fidelity, and everything went very smoothly.
Fidelity or Lively.
Thanks WCI for the vast amount of information available here. I heard about you from a colleague and I haven’t stopped consuming knowledge from you and the WCI network since!
Any updates on which HSA provider to go with? I’ve been with HSA Bank for the last few years and have $25- 30k with them/TD Ameritrade.
Is there a better/cheaper option? I primarily invest in Vanguard low-fee mutual funds/ETFs.
Thanks again.
HSA Bank is fine. Fidelity is probably slightly cheaper and where I am now. Lively also a good choice. Here are my partners:
https://www.whitecoatinvestor.com/retirementaccounts/
Which funds should be invested in for the HSA since it’s triple tax free….would it be similar to what one would put in a Roth?
Yes. If you don’t play to spend it for a while, roll it into your retirement asset allocation. If you are spending as you go, then probably something more conservative or at least a minimum amount of cash.
Our group has been using HSA bank for over 5 years now. Many of us have been investing the funds and storing receipts with HSA bank for future payout. HSA bank just replaced their mobile app with another version that basically acts as a link to their website. This is highly dysfunctional on a cell phone and now uploading receipts is a tremendous chore.
The question is, has anyone found a way to transfer previously stored receipts from prior years from HSA bank to another platform such as Fidelity or Lively?
We knew the fees at Fidelity and Lively were lower than what we were paying at HSA bank, but the inertia of a switch was always too much…until now the HSA bank mobile app has become useless.
There are apps that allow you to relatively easily take a photo/scan a receipt and upload them into a file on Google Drive or Dropbox or something. Maybe that’s the way to go. Then you can just use Fidelity.
I think Lively does have that functionality though, so maybe check there.