Dave Ramsey

"One of the smartest benefits we offer our team members is a health savings account from HealthEquity... I personally use HealthEquity for my HSA. These folks are rock stars."

-Dave Ramsey

Why should you have an HSA?


Triple-tax savings1

HSA contributions, earnings, growth and use of funds are all tax-free1, making it the most tax-advantaged account in America today

Keep your money

Unlike other accounts, HSAs are not use-it or lose-it. Your funds never expire and roll over year over year. That money is yours even if you change companies or health plans

Invest in your retirement2

You can invest2 your HSA dollars to help grow your wealth and better prepare you for retirement

HSAs have superior tax advantages1

Select a plan:

Pre-tax money in
Tax-free growth
Tax-free spending
On qualified medical expenses

On original deposits only
Spend tax-free after retirement3
On qualified medical expenses

Taxed as income
Use after retirement for any expense3
Taxed as income

Taxed as income

Tax-free
Employer FICA savings

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Based in the USA

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1HSAs are never taxed at a federal income tax level when used appropriately for qualified medical expenses. Also, most states recognize HSA funds as tax-free with very few exceptions. Please consult a tax advisor regarding your state’s specific rules.

2Investments are subject to risk, including the possible loss of the principal invested, and are not FDIC or NCUA insured, or guaranteed by HealthEquity, Inc. Investing through the HealthEquity investment platform is subject to the terms and conditions of the Health Savings Account Custodial Agreement and any applicable investment supplement. Investing may not be suitable for everyone and before making any investments, review the fund’s prospectus.

3After age 65, if you withdraw funds for any purpose other than qualified medical expenses, you will be subject to income taxes. Funds withdrawn for qualified medical expenses will remain tax-free.

HealthEquity does not provide legal, tax, financial, or medical advice.