Finest Well being Financial savings Account Suppliers (HSAs) of 2025

We named Constancy the very best general well being financial savings account supplier as a result of it excels at nearly each function that’s vital for an HSA.

Finest for Low Charges

Constancy doesn’t cost lots of the charges different HSA suppliers cost, together with these for month-to-month upkeep, account rollovers, extra contribution returns, card replacements, or paper statements. 

The one charges you may pay are: 

• Underlying administration charges for funds you select
• Charges related to choices 
• Charges your employer passes on to you
• Charges for a Constancy Go HSA, a managed account 

Even the Constancy Go HSA solely fees a payment (0.35%) as soon as your HSA account stability reaches $25,000 or extra. 

Finest for Funding Choices

You’ve got extra funding choices with a Constancy HSA than another supplier, Investopedia discovered. Decisions embody a variety of shares (together with fractional shares), bonds, mutual funds, and exchange-traded funds (ETFs). Constancy additionally has index funds with no expense ratio. In all, there are greater than 10,000 investments to select from. 

There are even two funds designed particularly for HSA investing: the Constancy Well being Financial savings Fund—a mixture of actively managed and index funds—and the Constancy Well being Financial savings Index Fund. Nevertheless, these each include administration charges. 

Finest for No Minimal Steadiness Required

Most HSAs require you to have a minimal amount of cash in your account earlier than you can begin investing. It’s usually $500 or $1,000 however can go as excessive as $2,000. You may solely make investments quantities above that minimal; the remainder of it simply sits in your account. Some suppliers, reminiscent of Vigorous, waive stability necessities in case you pay a payment. 

Constancy requires no minimal stability to start out investing, and there’s no payment for the self-directed HSA. Which means you can begin investing as quickly as you’ve any cash in your account.

If you need Constancy to handle your HSA funds, there’s a very low $10 minimal deposit required for the Constancy Go HSA. 

Finest Spending Account

If there may be uninvested cash in your HSA account, you’ll normally earn some sort of curiosity on it. Constancy affords a far greater rate of interest than any of its HSA rivals. Whereas it’s not aggressive with high high-yield financial savings accounts, it permits your money to earn greater than you may with another HSA account supplier or any normal financial savings account.

Along with its excessive rates of interest, Constancy’s HSA affords different advantages, making it a wonderful spending account. You’ll get an HSA debit card, which is normal for many HSAs. You may as well pay medical payments immediately with Constancy Invoice Pay or reimburse your self for bills you’ve lined.

Along with all the superlatives Constancy has earned from the Investopedia workforce, we additionally gave the corporate factors for having loads of methods to contact customer support: by way of a 24/7 cellphone line, dwell chat, a digital assistant, and a number of social media accounts.  

It additionally has the very best variety of methods to entry your funds, together with by way of ATM and checkbook in addition to a debit card and on-line invoice pay.

Constancy tops Investopedia’s listing of the finest on-line brokerage corporations due to its low charges, huge number of funding choices, and highly effective buying and selling platform. Based in 1946 in Boston, the corporate now serves greater than 44 million particular person buyers, with $15.1 trillion in property underneath administration as of March 2025. 

Constancy claims it was the primary within the trade to introduce zero-expense-ratio funds for particular person buyers, together with HSA buyers. As of 2024, Constancy had $24 billion in whole HSA property.