HSA Features
Built around how you actually use an HSA.
Move money in. Pay providers. Upload receipts. Self-direct the balance into the same alternative assets as a self-directed IRA. The Accuplan HSA gives you one dashboard for all of it.
What makes the Accuplan HSA different
A health account that invests like a self-directed IRA.
A Health Savings Account is a personal account you contribute to with pre-tax money, then use to pay for qualified medical expenses tax-free. The Accuplan HSA pairs that everyday workflow with the one thing most providers do not offer, the ability to self-direct your balance into alternative assets.
Once the cash on hand for current bills is covered, you can move the rest of the balance into the same investment categories a self-directed IRA can hold. Real estate, private equity, trust deeds, tax liens, private lending, precious metals, and cryptocurrency. Eligibility, limits, and tax rules are covered on the main HSA page.
Accuplan administers the account. A qualified HSA custodian holds the cash and any investments. You direct everything from a single dashboard.
Everyday workflow
What you do from the dashboard.
Contributing and transferring
Link your bank account to make contributions and receive disbursements. Moving an existing HSA to Accuplan is a quick, no-cost transfer.
Receipt and expense tracking
Upload receipts from appointments, prescriptions, and anything else that qualifies. Reimburse yourself from the same dashboard, whenever you want.
Open one without your employer
If you have an HDHP, you can open and contribute to an Accuplan HSA on your own. No workplace plan required.
The Accuplan difference
Self-direct your HSA the way you would a self-directed IRA.
Most HSA providers cap your investing at a short list of mutual funds. The Accuplan HSA is self-directed, which means once your cash-on-hand needs are covered, you can hold the same alternative assets a self-directed IRA can hold. Rent, interest, and dividends compound inside the account, tax-free, and qualified medical withdrawals stay tax-free at any age.
What you can hold
The full self-directed menu, inside an HSA wrapper.
Real estate
Rental property, commercial, land. Title held by the HSA. Rent stays inside the account, tax-free.
Trust deeds
Secured real estate notes that pay interest to the HSA each month.
Private lending
Promissory notes payable to the account. The HSA is the lender on the note.
Tax liens and deeds
County-government-backed liens with statutory yield.
Private equity
Precious metals
IRS-approved gold, silver, platinum, palladium, held by an insured depository.
Cryptocurrency
Bitcoin and other digital assets, held in cold storage by the custodian.
Traditional securities
Mutual funds, ETFs, and individual stocks, if you want a mix.
The same prohibited-transaction and disqualified-person rules that govern a self-directed IRA apply to a self-directed HSA. Income that stays inside the account is generally not taxed. Borrowed-money and active-business income can still trigger tax, the same as in a self-directed IRA.
Long-horizon strategy
Save the receipt now. Reimburse yourself decades later.
The IRS does not require you to reimburse yourself in the same year you incur the expense. Pay out of pocket today, file the receipt, and reimburse yourself any future year from a balance that has been compounding tax-free the entire time. The reimbursement is still tax-free, because the underlying expense was qualified.
- Pay current medical bills from your checking account, not the HSA debit card.
- Upload the receipt to your Accuplan dashboard and keep the digital record.
- Let the HSA balance compound tax-free across the alternative assets above.
- Reimburse yourself any future year, from the now-much-larger HSA. Still tax-free.
Two conditions, from long-standing IRS guidance. The expense has to be incurred after the HSA was established, and not reimbursed by insurance. Keep the receipts.
For employers
A self-directed HSA your team can actually use.
Accuplan also runs HSAs for employers. The same dashboard your employees use, with an administrator view layered on top.
- Set up HSA matches and employer contributions.
- Bulk-report on participants from one dashboard.
- Enroll or remove employees as the roster changes.
- Customized dashboard and labeling for your company.
Low or no fees. A few dollars for business accounts, no cost for individual accounts. No hidden fees, ever.
$0
Individual accounts
No setup fee, no annual fee, no hidden fees on the basic individual HSA.
A few $
Business accounts
A small flat monthly fee per business account, billed transparently.
40+ yrs
Account administration
Accuplan and AET have been administering retirement and health accounts since 1985.
Talk it through
Not sure how the Accuplan HSA fits your year?
Spend 15 minutes with an HSA specialist. We will walk through your HDHP, your timing, and how self-directing the balance would work for you.
Keep reading
More on the Accuplan HSA.
Can You Have Both an HSA and an FSA?
Read article→
What Is an HSA and How Does It Work?
Read article→
How to Use an HSA for Retirement
Read article→
4 Reasons to Open a Health Savings Account
Read article→
What Kinds of Precious Metals Can I Invest In?
Read article→