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Fund Spy

4 Health Savings Accounts With Low Fees

Look out for three common HSA expenses: underlying fund fees, maintenance fees, and investment fees.

In our inaugural report evaluating health savings account plans, we looked at 10 of the largest plans through two separate lenses: as a spending vehicle to cover current medical costs, and as an investment vehicle to save for future medical expenses.

When evaluating HSAs as spending vehicles, we focused primarily on the maintenance fees charged by each plan. When analyzing plans from an investment-vehicle standpoint, we focused on their investment menus and considered three main components to determine an overall assessment: menu design, quality of investments, and price.