1.
With respect to federal taxation only. Contributions, investment earnings, and distributions may or may not be subject to state taxation.
2. There are zero account fees and zero account minimums for Fidelity HSAs® offered through Fidelity.com to individuals and employers. There may be commissions, interest charges, and other expenses associated with transacting or holding specific investments (e.g., mutual funds), or selecting certain account features or types (e.g., managed accounts). When a Fidelity HSA® is offered as part of an employer’s benefits package (which occurs through NetBenefits®), Fidelity charges the employer a recordkeeping fee. This is a common fee charged by HSA providers. This fee may be up to $48/year, but it could be reduced or waived depending on the HSA balance. Employers may pass this fee on to their employees. Contact the employer for more information. Accounts that have been opened through, or are serviced by, an intermediary, or in connection with your workplace benefits, may incur additional fees or restrictions. Account minimums may apply to certain investments, including the purchase of some Fidelity mutual funds that have a minimum investment requirement. If you choose to invest in mutual funds, underlying fund expenses still apply. For more information and details, see the fund's prospectus and/or www.fidelity.com/commissions.
3. Morningstar rated 10 retail HSA providers for two distinct use cases: HSAs as a spending account to cover current medical costs and HSAs as an investment account to save for the long term. Results published in 2019, 2020, 2021, 2022, and 2023 Health Savings Account Landscapes.
4. Investor's Business Daily identified "Best HSA for 2024" based on fees, account features, investing options, and savings rates, as of November 10, 2023.
5. Spending HSA money is tax-free when used to pay for qualified medical expenses.
6. Stride and Fidelity Investments are independent and not legally affiliated.
† When you open a new Fidelity HSA, we automatically put your uninvested cash into Fidelity Government Cash Reserves unless you choose another option. 7-day yield is as of the date quoted and subject to change.
**Minimum investment requirements are based on information on each provider's website as of February 12, 2024. Investment services may be provided by third-party firms.
‡ HealthEquity interest rates reflect the effective "Enhanced Rates" default sweep for a $2,000 average HSA balance as of February 12, 2024 per the HealthEquity website disclosures (available to access for existing customers). Higher HSA balances may have higher rates. Enhanced Rates options consists of interest-bearing group annuity contracts issued by participating insurance companies for the customer's HSA cash balance. Principle and interest are subject risk of loss and not covered by deposit insurance. Interest rates are subject to change. Annuity guarantees are subject to the claims-paying ability of the Issuing insurance company.
§ Optum APY reflect the "eSaver" default sweep for a 2,000 average HSA balance as of February 12, 2024 per the Optum Bank website disclosures (available to access for existing customers). Interest rates are subject to change.
» Lively APY reflect the standard interest rate default sweep for a $2,000 average HSA balance as of February 12, 2024 per the Lively website of https://support.livelyme.com/hc/en-us/articles/4405466272667-What-is-the-standard-interest-rate-for-a-Lively-HSA-. Interest rates are subject to change.
# There may be funds that require a minimum amount to invest, but Fidelity does not require a minimum to start investing.
Fidelity Go® provides discretionary investment management, and in certain circ*mstances, non-discretionary financial planning, for a fee. Advisory services offered by Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser. Discretionary portfolio management services provided by Strategic Advisers LLC (Strategic Advisers), a registered investment adviser. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), and custodial and related services provided by National Financial Services LLC (NFS), each a member NYSE and SIPC. FPWA, Strategic Advisers, FBS and NFS are Fidelity Investments companies.
The information provided herein is general in nature. It is not intended, nor should it be construed, as legal or tax advice. Because the administration of an HSA is a taxpayer responsibility, you are strongly encouraged to consult your tax advisor before opening an HSA. You are also encouraged to review information available from the Internal Revenue Service (IRS) for taxpayers, which can be found on the IRS website at IRS.gov. You can find IRS Publication 969, Health Savings Accounts and Other Tax-Favored Health Plans, and IRS Publication 502, Medical and Dental Expenses, online, or you can call the IRS to request a copy of each at 800-829-3676.
Investing involves risk, including risk of loss.
Before investing, consider the funds' investment objectives, risks, charges, and expenses. Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Read it carefully.
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917
