Fidelity HSA
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No fees, no minimums, and access to Fidelity's full investment lineup including index funds. Top-rated HSA for investors.
★ Best PickA+Best Overall
Fidelity charges absolutely nothing — no monthly fee, no investment threshold, no transfer fee — while offering access to thousands of mutual funds and ETFs including Fidelity's own zero-expense-ratio index funds. The FDIC-insured cash core earns a competitive yield tied to money market rates, and the mobile app lets you invest, pay bills, and view claims in one place. For most individual HSA shoppers, Fidelity is the obvious default.
Pros
- $0 monthly fee with no minimum balance requirement
- Access to zero-expense-ratio index funds (e.g., FZROX at 0.00%)
- Competitive cash yield on uninvested balances
Cons
- Not available as employer-sponsored plan for most small businesses
- Investment research tools less specialized for HSA planning than dedicated HSA platforms
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