# List HSA Providers: GET /api/v1/providers

> For AI agents: this page is also Markdown at [/developers/list-providers.md](https://www.hsatrackr.com/developers/list-providers.md). Every docs page is listed in [/developers/llms.txt](https://www.hsatrackr.com/developers/llms.txt).

Get list of major HSA custodian providers with fee structures, investment options, and key features.

```http
GET /api/v1/providers
```

## Parameters

None.

## Example request

```bash
curl "https://www.hsatrackr.com/api/v1/providers"
```

## Example response

A real response from the live handler, with each list cut to two items.

```json
{
  "data": {
    "providers": [
      {
        "slug": "lively",
        "name": "Lively",
        "type": "benefits",
        "website": "https://livelyme.pxf.io/L0qXyV",
        "monthlyFee": "$0",
        "investmentOptions": "Schwab self-directed brokerage or Devenir guided portfolios",
        "investmentMinimum": "$0",
        "investingFeesSource": {
          "label": "Source: Lively, checked October 16, 2026",
          "url": "https://livelyme.com/individual-hsa/invest-your-lively-hsa"
        },
        "interestRate": "0.01%–0.02% APY",
        "fdic": true,
        "mobileApp": true,
        "debitCard": true,
        "pros": [
          "No monthly maintenance fees",
          "Modern, user-friendly interface"
        ],
        "cons": [
          "Schwab self-directed: $24 a year, or $0 at $3,000 and up. Schwab fees may apply.",
          "Guided Portfolio (Devenir): 0.50% a year on invested assets"
        ],
        "bestFor": "People who want cash and investing in one app, with no account fees",
        "description": "Lively is a benefits platform with a clean, modern HSA and no monthly fees. They offer both self-directed investing through Schwab and guided portfolios through Devenir."
      },
      {
        "slug": "fidelity",
        "name": "Fidelity HSA",
        "type": "brokerage",
        "website": "https://www.fidelity.com/go/hsa/why-hsa",
        "monthlyFee": "$0",
        "investmentOptions": "Full brokerage access - stocks, ETFs, mutual funds, bonds",
        "investmentMinimum": "$0",
        "interestRate": "0.82% APY (as of Jan 2026)",
        "fdic": false,
        "mobileApp": true,
        "debitCard": true,
        "pros": [
          "No account fees, trading fees, or investment minimums",
          "Full access to Fidelity's brokerage platform"
        ],
        "cons": [
          "Not FDIC insured (SIPC protected)",
          "Must transfer out of employer HSA to use"
        ],
        "bestFor": "Hands-on investors who want $0 fees and full brokerage access",
        "description": "Fidelity offers one of the best HSAs for investors with zero account fees, zero trading fees, and full access to their brokerage platform. Consistently rated the top HSA by Morningstar for both spending and investing use cases."
      }
    ],
    "total": 9
  },
  "meta": {
    "source": "https://www.hsatrackr.com/compare",
    "citation_url": "https://www.hsatrackr.com/compare",
    "updated": "2026-01-01",
    "disclaimer": "This information is for educational purposes only and does not constitute tax, legal, or financial advice. Consult a qualified professional for your specific situation.",
    "api_docs": "https://www.hsatrackr.com/api/v1"
  }
}
```

## Response fields

Every response is `{ data, meta }`. `meta.citation_url` is the public page to cite.

| Field | Type | Always present |
| --- | --- | --- |
| `providers` | object[] | yes |
| `total` | integer | yes |

## Errors

| Status | Meaning |
| --- | --- |
| `429` | Rate limit exceeded (30 requests per minute per IP) |

Full contract: [openapi.json](https://www.hsatrackr.com/openapi.json). All endpoints: [API overview](https://www.hsatrackr.com/developers).