OpenLoop
Open an HSA

The
affordable simpler trusted affordable
path to healthcare

Health Savings Accounts (HSAs) empower you to save more and spend smarter, and invest in your future. Open an HSA and make your first contribution — we’ll match your first $25.1

Open an HSA

HealthEquity does not verify whether you meet the eligibility criteria per IRS publication 969 to open and contribute to an HSA. You must verify your own eligibility status before you proceed.

Now includes ACA Bronze plan
members

Why choose HealthEquity?

24/7 support

Expert support that’s ready for you whenever you need it—just a call or click away, around the clock.

Help Center 
Everyday savings

Use your HSA with confidence—from doctor’s visit to medical expenses—with ways to instantly check what qualifies.

See Qualifying Expenses 
Easy mobile access

Pay for medical expenses with your HSA card2 or mobile app. Manage on the go—check balances and contributions from your phone.

Download Mobile App 

Your HSA. Your way.

Pay for healthcare

Use your HSA for a wide range of eligible expenses—from doctor visits and allergy medications to sunscreen and select prescription treatments like GLP‑1s.

Funds never expire

You can roll over contributions from year to year, with no deadline to use them.

Use pre-tax dollars3

Helps make health expenses easier to manage, so you can save for other things that matter.

Save for the future

An HSA offers ways to watch your money grow, to build a nest egg or use toward tomorrow’s health needs.

Open in minutes.
Start saving for life.

Signing up for an HSA is easy. And to get started, we’ll match your first $25 contribution.

Get $25, on us

1 Sign up online

We’ll collect some information to start and verify your account.

2 Connect your bank

We’ll link your account through a secure financial platform.

3 Contribution from you.
Match from us

Make a one-time transfer of $25 to activate your account and get a $25 match from us.

More affordable healthcare for Bronze plan members — that’s the better path!

Simple health savings that work alongside your Bronze plan benefits. Plus $25 on us when you open and fund your HSA.

Open an HSA

1 The $25 match is a limited-time offer, subject to change or termination at any time.

If you currently have active HDHP coverage and otherwise meet eligibility requirements as defined by IRS Publication 969: To receive the match, you must contribute $25 or more to your HSA within 15 days of opening the account, and maintain a minimum balance of $25 and keep your account in good standing for at least 90 days after opening the account. HSA contributions are subject to eligibility and other restrictions as defined in IRS Publication 969.

If your HDHP coverage hasn’t started yet: You may qualify for HSA contributions on or after your plan’s effective date. To receive the match, you must contribute $25 or more no later than 15 days after your plan’s effective date and maintain a minimum balance of $25 and keep your account in good standing for 90 days after your plan’s effective date.

All contributions, including the one-time $25 match, count toward your annual HSA contribution limit as established by the Internal Revenue Service (IRS) for the applicable tax year. You are solely responsible for ensuring that your contributions do not exceed IRS limits, and HealthEquity is not liable for contributions that exceed those limits. Participation in this promotion is optional and does not affect other rights or benefits under your HSA. HealthEquity reserves the right to cancel, suspend or modify this promotion at any time and in our sole discretion.

HealthEquity does not provide legal, tax, or financial advice. Please consult a qualified tax professional to understand any potential tax consequences related to receiving this matching contribution.

2 This card is issued by The Bancorp Bank, N.A., pursuant to a license from Visa U.S.A. Inc. Your card can be used everywhere Visa debit cards are accepted for qualified expenses. This card cannot be used at ATMs and you cannot get cash back, and cannot be used at gas stations, restaurants, or other establishments not health related. Please refer to the Cardholder Agreement included in your Card Package for complete usage restrictions.

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