INVESTMENTS

Kick-Start Your HSA Growth

Taking advantage of tax-free growth is the best way to maximize your HSA funds to be used for future medical expenses, building the ultimate nest egg for retirement.

What’s An HSA?

An HSA, or Health Savings Account, is a tax-advantaged savings account used for qualified medical expenses. HSAs are available to those enrolled in a high-deductible health plan, as defined by the IRS, and have yearly maximum contribution limits. 

Invest In Your Future

Known for their triple-tax advantages, HSAs yeild tax-free growth and investment earnings. Investment earnings can exponentially grow your HSA funds and, unlike a 401(k), you can take tax-free distributions for qualified medical expenses. Once you turn 65, your HSA funds can be used for any expense but will be subject to income taxes.

What We Offer

S&P 500 Value Vanguard
S&P 500 Vanguard ETF
S&P 500 Growth Vanguard
Mid-Cap Value ETF Vanguard
Mid-Cap ETF Vanguard
Mid-Cap Growth ETF Vanguard
Small Cap Value ETF Vanguard
Small Cap ETF Vanguard
Small Cap Growth ETF Vanguard
Total International Stock Vanguard ETF

Vanguard Extended Market ETF
Vanguard Materials ETF
REIT Vanguard ETF
Emerging Markets Stock Idx ETF Vanguard
Vanguard Information Technology ETF
Health Care Vanguard ETF
US Total Bond Market Index ETF Vanguard
Short-Term Bond ETF Vanguard
Total International Bond Index Vanguard
S-T Inf-Protected Treasury Bond Vanguard

HSA Investments

Hands-Off Approach

You don’t have to be a stock-market guru to grow your health savings. Start Health makes building your HSA easy. Automate your HSA investments by letting Start Health do the work for you.

HSA Investments FAQs

HOW DO I QUALIFY FOR INVESTMENTS?

To invest your Start HSA, you are required to have an HSA balance of $2,000 or more. You will be able to invest funds exceeding the $2,000 threshold. 

Do I need to maintain a balance of $2,000 to keep my current investments?

No, you do not have to maintain a balance of $2,000 to keep your current investments, however, you will not be able to make any new investments. 

IS THERE A MONTHLY INVESTMENTS FEE?

Yes. The monthly HSA investment fee is $1.50 + 4.167 basis points.

Start Saving

Considering an HSA? HSAs are growing in popularity for their ability to make saving for healthcare expenses easy and lower overall healthcare expenses. Enjoy lower premiums, tax advantages, and invest in your future self by opening a Start Health HSA.

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Get Added Peace of Mind with Start Shield

Your Start Health base policy already provides comprehensive coverage on a fixed reimbursement schedule-typically 110-145% of Medicare rates. Once your deductible is met, Start Health covers 100% of eligible medical expenses up to our fixed reimbursement schedule. If your provider charges more than the reimbursement rate, you're responsible for the difference.

Start Shield helps when your provider charges more than your base policy covers, after the base policy's deductible has been met. It pays 80% of the extra costs above your base policy's reimbursement, until you reach your Max Out-of-Pocket:

  • $8,000 for individuals
  • $16,000 for families

Once you hit that limit, Start Shield covers 100% of any remaining costs beyond what your base policy pays. Start Shield only applies to in-network procedures and only after the base policy's deductible has been met. All emergency care is treated as in-network.

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