Fidelity HSA® is ranked #1 by Morningstar for six years in a row!

Fidelity continues to stand above the rest as the top HSA provider for both spenders and investors and is currently the second largest HSA provider.

For the sixth year in a row, Fidelity was named the top HSA provider by Morningstar, standing out among 11 of the largest HSA providers as the best HSA for investing and for spending.1 This year, Fidelity is once again the only provider to receive the top billing for either the spending or investment account, let alone both.

As a spending account, the Fidelity HSA® “cemented its place as the industry’s top offering by delivering significantly larger returns on cash balances”2 and “pays an exceptional interest rate” that “stands far above rates paid by other providers”2.

And for investors, Fidelity is also the clear-cut winner as “the only provider that doesn't levy any expenses outside of the underlying fund fees—and by not requiring an investment threshold” 2.

Fidelity continues with strong organic HSA growth as reported in the latest Devenir HSA industry report, as the second largest HSA provider with 20.2% of market share3.

Through Fidelity’s focus on attracting new business, retaining clients, and growing balances through engagement and investing, over the last five years, Fidelity has increased its market share more than any other provider3 and continues to grow its business organically by providing value through an excellent customer experience and client engagement and education.

Compared to the rest of the industry, Fidelity HSA® customers contribute, save, and invest more of their dollars for their health care needs. The 2024 mid- year Devenir report found that compared to the rest of the industry, Fidelity customers: 3

  1. Contribute 14% more to their HSA
  2. Save more with 96% higher account balances
  3. Invest more with over double the number of invested accounts
Read Morningstar’s The Top HSA Providers of 2024 article

1 Morningstar rated 10-11 retail HSA providers for HSAs as a spending account to cover current medical costs and HSAs as an investment account to save for future medical expenses. Results published in 2019, 2020, 2021, 2022, 2023, and 2024 “Health Savings Account Landscape,”

2 “The Best HSA Providers of 2024” by Greg Carlson, Margaret Giles. © 2024 Morningstar, Inc. All Rights Reserved.

3 General HSA and Industry Average data sourced from Devenir Research 2024 Mid-Year HSA Market Statistics and Trends as of June 30, 2024.

The information provided herein is general in nature. It is not intended, nor should be construed, as legal, tax, or investment advice. Fidelity does not provide legal, tax, or investment advice to Fidelity.

Fidelity data represents aggregated data of Fidelity record kept HSAs as of date indicated from the entire book of business. Industry data also includes providers entire book of business.

Investing involves risk, including risk of loss

The trademarks and service marks appearing herein are the property of their respective owners.

For investment professional and plan sponsor use only. Firm rules may apply.

Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

© 2024 FMR LLC. All rights reserved.

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