Health Savings Account (HSA)

A penny saved is a penny taxed, unless you’re considering a Health Savings Account (HSA)!

Overview

A Health Savings Account (HSA) is a savings account that lets you set aside money on a pre-tax basis to pay for qualified medical expenses. Any dollars put into this plan are pre-tax, and can be invested, and can be spent on qualified medical expenses tax-free.

  • Fisher Investments Match
    Fisher Investments will match your HSA contributions dollar-for-dollar up to half of your annual deductible. See the medical plan comparison chart to view your plan’s specific deductible.
  • Eligibility
    Any employee who is enrolled in a high-deductible healthcare plan can contribute to their HSA account. For Fisher Investments employees, that means you must be enrolled in the United Healthcare PPO 2250 or Kaiser Permanente HSA medical plans.
  • Contribution Maximums
    In 2025, the contribution maximum for individuals is $4,300 and for families it’s $8,550. If you are 55 or older, you can contribute an additional $1,000 to your account. View these instructions to update your HSA contribution elections in Workday.
  • Account Access
    Visit the client portal to register or access your HSA account through HealthEquity.


Resources

HSA Advantages

There are several advantages to choosing a medical plan option with an HSA. Here's how an HSA may help your budget:

There are several advantages to choosing a medical plan option with an HSA. Here's how an HSA may help your budget.

HSA Advantages

Company Contributions Help With the Deductibles

The company’s contributions to your HSA cover about half of the deductible amount. So, after the company contributions, you’re paying about the same amount out-of-pocket as you would for another PPO plan.

Tax Savings

You won’t pay federal taxes on company or personal contributions to your HSA. This reduces your taxable income, so you pay less in taxes. Also, when you use the money in your HSA to pay for qualified healthcare expenses, you aren’t taxed.*

Savings Grow Year to Year

Your HSA balance carries over each year and continues to grow tax-free with interest. You can choose to put your contributions into one of 22 no-load Vanguard mutual funds, or deposit your money into an interest-bearing bank account with debit card access. Plus, the investment earnings are tax-free!

*Note: If you live in California, HSA contributions (yours and the company’s) are subject to state tax.

HSA Brokerage Account

Open a Charles Schwab brokerage account* within your Health Savings Account (HSA)! Participants can invest their HSA dollars in individual stocks, ETFs, mutual funds, options and more.

Please note: Money market accounts, debt securities, limited partnerships, foreign stocks, securities issuing K-1s, and leveraged and/or inversed ETFs are restricted in this account.

View page 5 of the HSA investment guide to learn how to enroll in your brokerage account!

*All Access Persons must disclose brokerage account(s) created within the HSA in the STAR Compliance system. All trades are subject to Compliance approval. Please contact ~Compliance if you have any questions regarding the Code of Ethics and Personal Trading policy.