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How do I know my money safe?

Every HSA has its own HSA Administrator, which is usually a bank, insurance company, or other approved trustee. You will have the opportunity to invest your HSA funds into the following options at your discretion:

  • Money market funds
  • Interest-bearing account
  • CDs
  • Mutual Funds

As a general rule of thumb, if you are looking to minimize your investment risk, you may want to consider an interest-bearing account because these accounts are FDIC insured. However, although mutual funds are a riskier investment because they are not FDIC insured, they have the potential to provide a much greater return.

Health Savings Account (HSA) FAQs

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