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Health Savings Account

Help cover the costs of medical expenses

Invest in alternative assets and lower your medical bills.

IRA Financial App

2 Great Self-Directed Solutions

Self-Directed IRA Checkbook Controlled (LLC)

Checkbook Controlled (LLC)

A special purpose limited liability company (LLC) is established. As manager, make alternative investments on behalf of your HSA through a local bank. Learn more

Self-Directed IRA Custodian Controlled

Custodian Controlled

Invest in alternative assets, such as real estate, with your HSA. Diversify your retirement portfolio and invest in assets you know and trust. Learn more

  • Gain Tax Advantages
    Pay qualified medical expenses tax free. Contributions, gains from investments, and employer contributions are tax free.
  • Self-Direct Your HSA
    With checkbook control, invest in alternative assets without a custodian.
  • Keep Your Account
    Unused contributions stay in your account year to year and your account stays with you when you leave your employer.

Solo 401(k) Plan

The HSA

If you have a High Deductible Health Insurance Plan (HDHP), you are eligible to open a tax-advantaged HSA to invest with.

Do everything on our app

Open Account icon

1. Open an account

Sign up in minutes with our app and open a self-directed account or call us at 800-472-1043.

Roll Over Funds incon

2. Roll over funds

Perform a no-hassle and tax-free transfer or rollover of your retirement funds.

Invest icon

3. Invest

Invest in alternative assets like real estate and much more on your own.

We want to work with you

Individual, institution, or advisor—we’ll handle all your IRA or 401(k) alternative asset custody needs.

We Handle Everything

We open your self-directed bank account, handle all IRS reporting, and offer annual IRS compliance services.

Simple Pricing

Our self-directed plans have no account value fees, account management fees, or minimum balance requirement.

For Institutions & Advisors

Gain online access to client accounts and generate fees from your clients’ investments in alternative assets.

HSA Info Kit Cover

Download our info kit for more in-depth reading about the HSA

Robust, easy to read, and updated for 2020. This guide is your one-stop shop for all the most important questions about the HSA.

Our fees

Our fees are simple and transparent.

What you can invest in

With a Self-Directed HSA, you can make almost any type of investment and generate tax-free gains.

IRA Financial App

Open your account in minutes

Or get a free consultation

Contact IRA Financial at 1-800-472-1043 or fill out the form to learn more about opening a Self-Directed HSA.

We don’t share your personal information with anyone. Check out our Privacy Policy for more information.

Did You Know?

The Solo 401(k) is the best retirement plan for independent contractors, sole proprietors, gig workers, and consultants. Learn more