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2026 ACA Update — All Bronze Plans Now HSA-Eligible

Find Your Perfect HSA Account in 2 Minutes

The only comparison tool built for self-employed Americans. Compare top HSA custodians, calculate your exact tax savings, and get matched to the right plan — free.

✓ Free forever | ✓ No spam | ✓ 2026 data
Top HSA Accounts Compared
F
Fidelity HSA Editor's Pick
No fees · Best investments
9.8 / 10
L
Lively HSA
Best UX · Freelancer friendly
9.4 / 10
HE
HealthEquity
Best employer match support
8.9 / 10
HB
HSA Bank
Best for large balances
8.7 / 10
$4,400
2026 Individual Contribution Limit
35%
of ACA plans now HSA-eligible
3x
Tax advantages vs regular savings
$1,400+
Avg. annual tax savings for freelancers
How It Works

From confused to covered
in three steps

HSAs are the most powerful tax tool most self-employed Americans aren't using. We make it dead simple to start.

01
🎯
Check Your Eligibility

Answer 5 quick questions about your health plan. With 2026's ACA changes, millions more Americans qualify than last year. Takes 60 seconds.

02
⚖️
Compare Custodians

Side-by-side comparison of fees, investment options, interest rates, and debit card features. We rank them honestly — no paid placements.

03
💰
Calculate Your Savings

See your exact annual tax savings based on your income and contribution level. Most freelancers save $1,000–$2,000 per year.

See exactly how much you'll save

The HSA triple tax advantage is the most powerful savings tool in the US tax code. Calculate your real savings in seconds — no signup required.

  • Contributions are pre-tax (reduces taxable income)
  • Growth is tax-free (invest it like an IRA)
  • Withdrawals for healthcare are tax-free
  • After 65, use for anything penalty-free
🧮 HSA Tax Savings Calculator
Estimated Annual Tax Savings
$1,118
Federal income tax savings only · State savings extra

HSA Guides & Insights

View all articles →
📊
Comparison · 2026 Update
Best HSA Accounts of 2026 — Ranked & Compared
8 min read · September 2026

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