Full affiliate disclosure

How HSA Trackr Makes Money

Q: How do I report a conflict of interest?

Email hello@hsatrackr.com. If a reviewer is found to have an undisclosed financial interest in a provider being ranked, the affected pages are flagged with a correction notice within 48 hours and the reviewer is removed from coverage of that provider.

Last updated August 23, 2026 by Will Mather

HSA Trackr's own paid offers are the Digital Shoebox subscription and the separate $9 Reimbursement Readiness Pack. HSA Trackr currently has no HSA account-provider affiliate relationship. Selected Hims, Gala, Strut Health, and Sesame Care links are commercial referrals that may earn a commission after a qualifying action. Those links are disclosed near the recommendation and do not buy rank, inclusion, or favorable coverage.

Our editorial firewall

Ranking is independent of payment. Fidelity HSA ranks #1 on /best-hsa-providers and Fidelity does not pay us anything. If the math changes, the ranking changes - regardless of who is paying whom.
We name every commercial relationship. Every affiliate link on this site carries rel="sponsored" and a clear commission disclosure appears near the recommendation.
No pay-for-inclusion. We do not accept payment to add a provider to a list, change a rank, soften a review, or remove a competitor.
No guest posts. Every article on HSA Trackr is written by the named author byline. We do not accept guest contributions or sponsored content disguised as editorial.
Errors are corrected within 48 hours. If a reader flags a factual error, we verify against the provider's current disclosure and update both the page and its review date.

Disclosure standard: the FTC Endorsement Guides FAQ says material connections should be clear and conspicuous and close to the recommendation. Google asks affiliate links to use rel="sponsored".

HSA account-provider relationships

Every HSA provider featured on /best-hsa-providers, labeled by whether HSA Trackr currently has a commercial referral relationship.

HSA provider affiliate status. None of the listed HSA account providers currently pays HSA Trackr a referral commission.
Provider	Pays HSA Trackr?	Notes
Fidelity HSA	No	Fidelity does not run an HSA affiliate program. We rank them #1 anyway because they are the best fit for most readers.
Lively	No	No current affiliate relationship. HSA Trackr links to Lively's ordinary product page and receives no referral payment from that link.
HealthEquity	No	No affiliate relationship. Linked from /best-hsa-providers for completeness because it is the largest US HSA provider by accounts.
HSA Bank	No	No affiliate relationship. Linked for completeness.
Optum Bank	No	No affiliate relationship. Linked for completeness.
Further	No	No affiliate relationship. Linked for completeness.

Last verified August 23, 2026 against the destinations and commercial flags in the current HSA Trackr source. A coded relationship is disclosure evidence, not click, conversion, payout, or revenue evidence.

Selected adjacent affiliate links

These relationships apply only where the service is directly relevant to the page. A commercial link does not establish HSA eligibility; the expense facts, prescription, diagnosis, and documentation rules still control.

Hims
Selected Hims links are commercial Katalys/Revoffers links. HSA Trackr may earn a commission after a qualifying action.
Gala
Selected Gala links are commercial Katalys/Revoffers links. HSA Trackr may earn a commission after a qualifying action.
Strut Health
Selected Strut Health links are commercial Katalys/Revoffers links. HSA Trackr may earn a commission after a qualifying action.
Sesame Care
Selected Sesame Care telehealth and weight-loss links are commercial Katalys/Revoffers links. HSA Trackr may earn a commission after a qualifying action.

Frequently asked

Does HSA Trackr accept payment to rank a provider higher?

No. HSA Trackr currently has no HSA account-provider affiliate relationship. Provider rankings use the published comparison method and do not sell rank, inclusion, or favorable language.

What does HSA Trackr earn per affiliate signup?

HSA Trackr does not currently earn commissions from HSA account providers. Selected telehealth-service links may earn a commission after a qualifying action. Program terms can change; the material relationship is disclosed next to the link whether or not a payout occurs.

Why do you link to providers that don't pay you?

A best-of list that only includes the providers paying the publisher is a sales page, not a review. The point of /best-hsa-providers is to help you pick the right HSA - which often means Fidelity, who does not pay us anything. Without the non-affiliate providers, the page would be useless.

Are calculator results affected by your affiliate relationships?

No. The calculators on this site (tax savings, contribution limits, shoebox growth, reimburse-now vs later) use IRS contribution limits and the inputs you supply. They do not steer you toward any provider. The provider recommendation block that appears after a calculation lists the same top two providers in the same order on every page.

What happens if a provider asks HSA Trackr to change a review?

We do not change a review at a provider's request. Providers may flag a factual error (a fee that has changed, an updated investment minimum) and we will verify against the provider's current disclosure and update if confirmed. Subjective ranking or commentary is not negotiable.

How do I report a conflict of interest?

Email [email protected]. If a reviewer is found to have an undisclosed financial interest in a provider being ranked, the affected pages are flagged with a correction notice within 48 hours and the reviewer is removed from coverage of that provider.

Found a conflict of interest? Tell us.

If something on this site looks like it was steered by an affiliate relationship rather than the math, we want to know. Reader-flagged conflicts are reviewed within 48 hours and the affected pages get a correction notice if confirmed.

[email protected]

More about who writes this site: About Will Mather