Invest With Your HSA

Surency offers investment opportunities for HSA Accountholders as well as investment transfers. This feature allows members to increase the balance maintained in their Cash Account to whatever level works best for you before the surplus is automatically transferred to their investments. More cash means more dollars available immediately to pay medical expenses online.

Why invest with an HSA?

HSAs offers tax savings that a 401(k) and IRA don’t, making it a powerful option for diversifying a retirement portfolio.
The lifetime healthcare costs for a healthy 65-year-old couple in retirement are projected to be $351,000*. You can help your employees achieve their short- and long-term healthcare needs by offering a health savings account (HSA). Our HSA has investment capability that makes it easy for both novice and experienced investors to grow their funds.

*Source: us.milliman.com/-/media/milliman/pdfs/articles/meb_2020.ashx

Planning and Guidance

Members have access to My HSA Planner, an HSA planning tool that provides personalized recommendations on how much to contribute, estimates tax savings and shows projected savings goals
Members can choose from guided or self-serve investing in the portal
- Guided: Asks the member a few questions to help make an informed decision for their investments
- Self-serve: The member will set up their investment selections without guided help

Simplified Automation

An adjustable investment threshold. Once met, HSA funds can be automatically transferred from their cash account to investments.
Ability to make investment experience automated or manual, depending on the member’s expenses, goals and risk tolerance.

Robust Investment Options

Members can invest HSA funds in an interest-bearing account or using the standard mutual fund lineup.
Surency offers a health savings brokerage account option powered by Charles Schwab, which gives members access to more than 8,500 mutual funds and other options beyond our standard investment lineup.

How to Manage Investments

Log in to the Member Account.
Select Manage Investments on the Home page.
Set up investment transfers by selecting Setup Investment Transfer. Members will be able to set the cash account threshold. Please note that the cash account balance is the amount available on the Surency Benefits Card at any given time. For most groups, at least $2,000 must be kept in the cash account, but more may be elected.
Manage investments by selecting Manage Investments.
Answer the security question and select Submit.
You are always able to add or change information related to your HSA investment account.

Members can easily manage their investments through their online account:

View their balance and a breakdown of how their investments are performing
Easily change the amount they’re contributing
Easily make changes to investments
Access Investment Education Materials

For investment advice, consult your personal financial and tax advisors.