HSA Investment Services

You may choose to potentially grow your savings for future health care costs by investing some of your money in mutual funds. Once you reach the designated balance for your HSA, known as the investment threshold, you can invest a portion of your savings.

Investment Guidelines
The following guidelines apply when you invest some of your HSA funds:

  • When funds are transfered to your investment account, the amount of the transfer cannot bring the balance of your HSA below your investment threshold.
  • The minimum amount that can be transfered to your investment account is $100.
  • You can't make payments for qualified medical expense directly from your investment account. If you wish to use funds from your investment account to make payments, the funds will first need to be moved back into your HSA.

* Investments are not FDIC-insured, are not guaranteed by Optum Bank and may lose value.

Health savings accounts (HSAs) are individual accounts offered by Optum BankSM, Member FDIC, and are subject to eligibility and restrictions, including but not limited to restrictions on distributions for qualified medical expenses set forth in section 213(d) of the Internal Revenue Code. State taxes may apply. This communication is not intended as legal or tax advice. Please contact a competent legal or tax professional for personal advice on eligibility, tax treatment, and restrictions. Federal and state laws and regulations are subject to change.