Advertiser Disclosure

1. Quick Summary

In plain English: myHSAPath is free to use because some companies pay us a referral fee when you open an account through our links. This commission comes out of the company's marketing budget — it costs you nothing extra. We only recommend products we'd genuinely recommend to a friend, and our ratings are never for sale.

2. How We Earn Money

myHSAPath is an independent content website. We keep the site free through the following revenue sources:

1. Affiliate Referral Commissions

Our primary revenue source. When you click a link to an HSA custodian or financial tool on our site and complete a qualifying action (typically opening an account), we may receive a referral fee from that company. This fee is paid by the company from their marketing budget. It does not increase the cost of any product or account for you. Opening a Fidelity HSA through our link costs exactly the same as opening one directly through Fidelity.com. Our goal is to build affiliate relationships with custodians we genuinely recommend — but only where those relationships don't compromise our editorial independence.

2. Newsletter Sponsorships

Our Beehiiv newsletter may include sponsored content from relevant financial companies. Sponsored newsletter content is clearly labeled as "Sponsored" or "Partner Content" at the top of the email section. Sponsors do not influence our editorial newsletter content.

3. Display Advertising

We may display programmatic advertisements through ad networks. These ads are served automatically based on page content and visitor behavior, not curated editorial relationships. Ad placements are visually distinct from editorial content.

4. Paid Tools (Future)

We may in future offer premium calculator tools or personalized HSA optimization reports for a one-time or subscription fee. Any paid features will be clearly labeled.

3. What We Never Do

Our editorial firewall: No amount of money can buy a favorable rating, a higher ranking, or inclusion in our "best" lists. If a company offers us payment for placement, we decline — and that refusal has no negative effect on how we cover them.

• No paid rankings — Our comparison table order is determined by our editorial score, never by who pays us more.
• No undisclosed relationships — Every commercial relationship is disclosed on this page and in the banner at the top of our comparison pages.
• No fake reviews — Our reviews are based on real research, publicly available data, and direct account testing where possible.
• No data selling — We do not sell your email address or browsing behavior to advertisers or data brokers.
• No exclusion for non-partners — We include products in our comparisons based on their quality and relevance, not whether they pay us.
• No inflated scores — If a product scores poorly on our methodology, we report it accurately regardless of commercial relationships.

4. Our Current Partners

The following table shows our current and potential affiliate relationships. This list is updated when our partnerships change.

Companies marked "Pending" are included in our editorial comparison content without any affiliate relationship. We earn no commission from referrals to those companies at this time.

5. Rating Methodology

Our ratings are based on a weighted scoring methodology applied consistently across all custodians. The factors and weights are:

• 35% — Fees & Costs: Monthly account fees, investment fees, transaction charges, and fee waiver conditions. Zero-fee custodians score maximum points here.
• 30% — Investment Options: Breadth of investment choices, minimum investment thresholds, fund expense ratios, and brokerage platform quality.
• 20% — User Experience: Mobile app quality, account opening speed, customer support responsiveness, and ease of use for self-employed users.
• 15% — Trust & Safety: FDIC/SIPC insurance coverage, institution history, financial stability, and HSA-specific experience and specialization.

Scores are assigned on a 10-point scale per factor. The final rating is a weighted average rounded to one decimal place. Scores are reviewed and updated when custodians materially change their products, fees, or features.

Data sources: Our ratings draw on publicly available information from each custodian's website, fee schedules, and product documentation, supplemented by direct account testing where conducted. We link to primary sources wherever possible.

6. Editorial Independence

myHSAPath maintains a strict separation between our commercial relationships and our editorial content. This policy governs how we operate:

• Affiliate partners receive no advance notice of reviews or ratings before publication.
• Custodians cannot pay to change, suppress, or delay publication of any review.
• Our editorial team makes all ranking and recommendation decisions independently.
• Commercial relationships are never a factor in our editorial scoring methodology.
• We reserve the right to give any custodian — including paying partners — a low rating or negative review if our research warrants it.

7. FTC Compliance

myHSAPath complies with the Federal Trade Commission's guidelines concerning the use of endorsements and testimonials in advertising (16 CFR Part 255) and the FTC's Disclosures guidelines for online advertising. Specifically:

• We disclose material connections (affiliate relationships) clearly and conspicuously on every page that contains affiliate links.
• Our disclosure language appears near the top of comparison pages, not buried in footers.
• We use clear, plain-English disclosure language that a reasonable consumer can understand.
• We do not use deceptive formatting to obscure the commercial nature of affiliate links.

If you ever want to verify whether a specific link is an affiliate link, you're welcome to email us at editorial@myhsapath.com and we'll tell you directly.

8. Questions?

Questions about our ratings, affiliate relationships, or editorial standards? We respond to all editorial inquiries.

editorial@myhsapath.com