Where to look for your HSA

Your HSA is held by a bank or financial institution, not by your employer or insurance company. Start by checking your paycheck stub or pay statement — if your employer set up an HSA for you, the stub will show the account name and usually a customer service number. If you don't see it there, ask your HR or benefits department directly for the name of the HSA custodian and your account number.

If you opened an HSA on your own (because you have a high-deductible health plan but no employer plan), you chose the custodian yourself. Check your email for account confirmation letters from when you opened it, or look through your bank and financial institution logins — you may have opened it at your regular bank, a dedicated HSA provider like Lively or HealthEquity, or a brokerage firm.

If you've changed jobs or it's been years since you set up the account, the custodian may still hold your money even if you're no longer contributing. The account doesn't close just because you leave an employer.

Key Takeaways

  • Your HSA custodian is the bank or financial company holding the account, which you can find on your pay stub or by asking your HR department.
  • If you opened an HSA yourself, search your email for account confirmation letters or check logins at banks and investment firms where you have accounts.
  • Once you have the custodian name and account number, call their customer service line to log in online or request account statements.
  • If you can't locate an old HSA, the IRS Form 5498-SA filed by the custodian will show the account existed, and you can contact the custodian using that information.

Getting your login information

After you identify the custodian, visit their website and look for a login portal. Most HSA custodians have online accounts where you can see your balance, transaction history, and investment options. If you've never logged in before, use the "Forgot Password" or "First Time Login" option — you'll usually need your Social Security number and account number to set up access.

If the website doesn't work or you can't remember your account number, call the custodian's customer service line. The number is on any statements you've received, on your pay stub, or on the custodian's website. Have your Social Security number and date of birth ready. A representative can verify your identity and either reset your login or read your balance and transaction history to you over the phone.

Finding an HSA you've lost track of

If you opened an HSA years ago and can't remember which custodian holds it, start with your tax records. The custodian files Form 5498-SA with the IRS each year showing HSA contributions. If you have old tax returns, look for this form — it will have the custodian's name and your account number. You can also request a copy of your tax return from the IRS using Form 4506-C, which takes about 5 to 10 business days.

Another route is to contact your previous employers' HR departments. They can tell you which custodian they used for HSAs during the years you worked there. Even if you left the company, your account remains with that custodian and belongs to you.

If you contributed through payroll deduction, your old pay stubs will show the custodian name. Check any archived email from your employer's benefits enrollment period — confirmation emails often list the HSA provider.

What to do once you find your account

Log in and review your current balance and any investments held in the account. Check the transaction history to see when money was last added or withdrawn. If the account has been inactive for years, confirm it's still open — some custodians close accounts that fall below a minimum balance, though this is less common with HSAs than with other accounts.

If you're still enrolled in a high-deductible health plan, you can continue using the account for may have access to medical expenses. If you've switched to a different health plan, you can still withdraw money for medical costs, but you can no longer contribute new funds. After age 65, you can withdraw money for any reason without penalty, though non-medical withdrawals are taxed as income.

Updating your account information

Once you're logged in, update your contact details if they've changed. Make sure the custodian has your current phone number and email address so they can reach you about account activity or important notices. If you've moved, update your mailing address so you receive statements and tax forms at the right location.

If you want to change how your HSA is invested — for example, moving money from a savings account into a brokerage option — you can usually do this through the online portal. Some custodians offer investment choices similar to a 401(k), while others keep funds in a savings account. Check what options your custodian offers and whether there are any fees for transfers or trades.

If you can't locate the account

If you've exhausted these options and still can't find an old HSA, contact the National Association of Unclaimed Property Administrators (NAUPA) or your state's unclaimed property program. Dormant financial accounts are sometimes turned over to the state. You can search for unclaimed money at MissingMoney.com, which aggregates state databases, or contact your state's treasurer's office directly.

It's also worth contacting the major HSA custodians directly — HealthEquity, Lively, Fidelity, and Optum are among the largest. They can search their records by your Social Security number and name to see if an account exists in their system.

Frequently Asked Questions

Can I have more than one HSA at the same time?

No. You can only have one HSA while you're covered by a high-deductible health plan. If you open a second one, the IRS treats the excess contribution as a tax violation. You can move money between custodians (called a trustee-to-trustee transfer), but you cannot hold two active accounts simultaneously.

What if my employer changed HSA custodians?

Your old account stays with the original custodian — it doesn't automatically move. Your employer's new contributions go to the new custodian. You'll have two separate accounts. You can transfer money from the old account to the new one through a trustee-to-trustee transfer, or leave it where it is and manage both accounts.

Do I need to do anything if I'm no longer contributing to my HSA?

No. The account remains yours and you can still withdraw money for may have access to medical expenses at any time. You don't have to close it or take any action. However, check periodically that the custodian hasn't closed it due to inactivity or a low balance — policies vary by provider.

What happens to my HSA if I change jobs?

Your HSA goes with you. It's your personal account, not your employer's. You keep access and can continue using it for medical expenses. If your new employer offers an HSA, you can choose to contribute to your existing account or open a new one with their custodian, but you cannot have both active at the same time.

How do I prove I have an HSA if I can't find my account number?

Call the custodian with your Social Security number and date of birth. They can verify the account exists and provide the number. You can also request a statement by mail. For tax purposes, the Form 5498-SA filed with the IRS is official proof that the account existed during that tax year.