See if your HSA provider is quietly taxing your future.
Compare fee drag, transfer friction, cash-window risk, and the cleanest next move before you start paperwork.
Planner result
Move the balance now
$187
annual drag
2 months
break-even
$22,500
advantage
Provider setup
Start with your statement, then tune the assumptions.
Best default for no account fees and a full investing menu.
Balance and fees
Use the numbers from the latest provider statement.
Timing
A cheap transfer can still be a bad week to start.
When this planner is most useful
This tool is for people who already have an HSA and suspect their current provider is charging maintenance fees, investment fees, transfer fees, or creating transfer friction. It is especially useful before moving from providers like HealthEquity, Optum, Inspira, or HSA Bank to a lower-fee destination.
The report is not tax, legal, or investment advice. Before moving money, verify the fee schedule on your own statement, confirm whether payroll contributions still route to the old provider, and use a trustee-to-trustee transfer unless a tax professional tells you a rollover is better.
HealthEquity guide
Partial-transfer fee and statement checklist.
Optum guide
Forced-liquidation and dividend timing notes.
Inspira guide
Bundled FSA and commuter account gotchas.
Common questions
Is an HSA transfer taxable?
A trustee-to-trustee HSA transfer is generally not taxable because the money moves directly between HSA custodians. A 60-day rollover is different, has stricter timing rules, and may need tax reporting.
Should I transfer my whole HSA balance or do partial sweeps?
If no employer contributions are still landing at the old provider, a full transfer is usually cleaner. If payroll still goes to the old provider, annual sweeps can reduce repeated transfer fees and paperwork.
Why does the planner estimate cash-window risk?
Many HSA transfers arrive as cash because the old provider liquidates investments before sending funds. The cash-window estimate shows the growth that could be missed while invested dollars are out of the market.
Can I rely on the default provider fees?
No. Defaults are starting assumptions. HSA fee schedules can vary by employer plan, so use the monthly fee, percent fee, and transfer fee from your own statement before acting.