The triple-tax-advantaged account: contributions are pre-tax, growth is tax-free, withdrawals for medical are tax-free.
No account fees, no minimum balance to invest. Access thousands of mutual funds and ETFs. The top-rated HSA for investors in 2026.
Open Fidelity HSA →Free HSA with automatic investment sweeps. Connect to TD Ameritrade for investing. No maintenance fees ever.
Open Lively HSA →2026 contribution limits: $3,300 self-only | $6,750 family | +$1,000 catch-up if 55+
HDHP requirement: You must have a High-Deductible Health Plan (minimum $1,650 individual / $3,300 family deductible in 2026) to contribute.
Pro tip: Pay medical expenses out-of-pocket now, save receipts, and reimburse yourself from the HSA decades later — tax-free, with years of investment growth.