Best HSA accounts 2026: fees, minimums and our pick
Disclosure: We earn a commission if you open a Lively account through our links. It doesn't change what you pay.
The verdict
Lively is our top pick. It has no account fees, no minimum to invest, and hands-off or hands-on investing in one app. Fidelity is our #2. It has no account fees to save or invest, so it is the same or lower cost pick for hands-on investors.
Lively is our top pick. It has no account fees and no minimum to invest, and you get hands-off or hands-on investing in one app. Fidelity is a close #2, with no account fees to save or invest and no minimum. Investing at Lively costs 0.50% a year guided or $24 a year on Schwab under $3,000, so Fidelity costs less to invest. Here are the fees side by side.
What it costs
| Fee or ranking | Fidelity HSA | Lively HSA |
|---|---|---|
| Account fee | $0 | $0 a month |
| Minimum to open or invest | $0 | None |
| Cost to invest | No account fee to invest. Fund costs apply. | 0.50% a year (Devenir Guided Portfolio), or $24 a year for Schwab brokerage below $3,000, $0 at $3,000 or more |
| Our ranking | #2, same or lower cost for hands-on investors | #1, our top pick |
Fidelity HSA fees, Lively pricing, Lively investing, checked Oct 21, 2026. Fund expense ratios and Schwab fees are extra.
Want all seven providers we track? See our full HSA provider rankings.
Fidelity
Fidelity has $0 account fees and no minimum to open or invest. It is our #2 and the same or lower cost pick for hands-on investors. Source: Fidelity HSA fees, checked Oct 21, 2026.
Lively
Lively charges $0 a month and has no minimum to invest. Choose Devenir Guided Portfolio at 0.50% a year or Schwab brokerage at $24 a year, waived at $3,000. Schwab fees may apply. Sources: Lively pricing and Lively investing, checked Oct 21, 2026.
| Feature | Fidelity | Lively |
|---|---|---|
| Account fee | $0Tie | $0 a monthTie |
| Minimum to invest | $0Tie | None on either optionTie |
| Cost to invest | No account fee to invest. Fund costs apply.Winner | 0.50% a year guided, or $24 a year for Schwab, waived at $3,000 |
Our Verdict
Lively is our top pick. It has no account fees, no minimum to invest, and hands-off or hands-on investing in one app. Fidelity is our #2. It has no account fees to save or invest, so it is the same or lower cost pick for hands-on investors.
Best for: Fidelity
- People who want $0 account fees.
- People who want no minimum to open or invest.
Best for: Lively
- People who want a Devenir Guided Portfolio and accept its 0.50% annual fee.
- People who want Schwab brokerage and accept its $24 annual access fee, waived at $3,000.
Pro Tips
- Check fund expense ratios as well as account and investing fees.
- Lively has no minimum to invest. Its $3,000 threshold waives the Schwab access fee.
- Check the fee sources above before you open an account. Provider terms can change.
- The 2026 HSA contribution limits are $4,400 self-only and $8,750 family. Source: IRS Rev. Proc. 2025-19, checked Oct 21, 2026.
- People age 55 or older can contribute an extra $1,000. Source: IRS Publication 969, checked Oct 21, 2026.
Frequently Asked Questions
What are the account fees at Fidelity and Lively?
Fidelity has $0 account fees and no minimum. Lively charges $0 a month. Investing fees differ, as shown in the fee table above. Sources: Fidelity HSA fees and Lively pricing, checked Oct 21, 2026.
What investing options does Lively offer?
Lively offers a Devenir Guided Portfolio and Charles Schwab brokerage. The guided option costs 0.50% a year on invested assets. Schwab access costs $24 a year, waived at $3,000. Schwab fees may apply. Source: Lively investing, checked Oct 21, 2026.
How much do I need to invest at either provider?
Fidelity and both Lively investing options have no minimum to invest. The $3,000 threshold waives the Lively Schwab access fee. It is not a minimum to start investing. Sources: Fidelity HSA fees and Lively investing, checked Oct 21, 2026.
What costs should I check beyond the account fee?
Check fund expense ratios and any Schwab fees before choosing investments. Lively lists a separate access fee for each investing option. Sources: Lively pricing and Lively investing, checked Oct 21, 2026.
What happens to my HSA if I leave my job?
Your HSA stays with you if you change employers or leave the workforce. IRS Publication 969 calls an HSA portable. Source: IRS Publication 969, checked Oct 21, 2026.
What are the HSA contribution limits for 2026?
The 2026 limits are $4,400 for self-only coverage and $8,750 for family coverage. People age 55 or older have a $1,000 catch-up contribution limit. Sources: IRS Rev. Proc. 2025-19 and Publication 969, checked Oct 21, 2026.
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