You can use your health savings account to invest tax-free funds for tax-free growth—that's great! But it's helpful to understand how your investing and cash funds work.
Invested funds are...invested
When you purchase an exchange-traded fund (ETF), mutual fund, or stock, you are making a purchase in the stock market. As that investment increases or decreases in value, your investment balance changes to reflect the growth or loss. To access investment balance funds for spending, you'll need to sell the desired amount of investment funds so it can be made available through your cash balance.
Three business days
Please allow up to three business days for your investment funds to be sold and deposited into your cash balance.
Updated at market close
Your investment balance is updated at the close of the most recent market day.
Cash funds are immediately available
Your cash balance highlights any available HSA funds for spending on health expenses. You can immediately access these funds.
Avoid a cash balance of zero
As a reminder, HSA investing monthly fees start at $1. If you maintain a cash balance of $0, you risk not having enough funds to pay the required HSA investing fees.
Investment accounts with a balance below $5,000 are charged a monthly fee of $1.
Investment accounts with a balance of $5,000 or more are charged a monthly balance fee of .01%.
Your total HSA balance is the sum of both balances
Your total HSA balance is the sum of your cash and investment balance. To see your HSA cash balance, investment balance, and your total HSA sum, look for your account information in your Health Wallet.