HealthEquityReviews 

further.com was alot easier and customer service was more helpful. its unfortunate we switched to health equity. terrible service, step in the wrong direction. HSA should be simple and seamless and HE makes it hard to do.

If there were a zero-stars option, then that is what I would select. I worked for a company (briefly) that used Health Equity as their HSA servicer. This is, by far, the absolute worst HSA provider on planet earth.
When I left the company and attempted to log in to transfer my funds to a different HSA, I was unable to log in. I kept getting a message that I did not exist in the system. Okay....
I thought that perhaps there was some sort of system glitch, and opted to give it a few days and try again.
Well....when I did try again, I saw a notice that said I was REQUIRED to sign in with a passkey. I spent an hour trying to create a passkey, with no success. I called the customer service number and the person who responded walked me through the process, which required me to make system changes on my phone. I asked her if this was going to cause issues with my phone, if my phone was going to be locked now because of these changes. She said, "Oh no, it will be fine."
It WASN'T fine. Half an hour later, I now have a passkey and can access my account via the stupid phone app; unfortunately, I cannot do what I want to do on the phone app. She then begins to instruct me on how to re-configure my desktop--at which point I came to a "hard stop" and told her in no uncertain terms that I was not messing with my desktop configuration.
So...she then said that she would send me out a form to complete so that I could get my funds transferred.
An hour and a half later, all I have for my efforts is a promise to send a form, and (you guessed it) system changes to my phone, which required ANOTHER HALF HOUR for me to undo.
I finally get the form, fill it out and send it back. A week goes by. Nothing has happened. I call them up to ask them what is going on, and they tell me that, because I crossed off one option, and selected another, that they could not use that form. I asked them why they did not call me or email me.
They said they emailed me, and I told them I did not receive ANY email from them. I asked them what email they used and all they would say is that they had to use the email "associated with the account", which was my former facility-based email that I no longer had access to.
So now I have to fill out the form AGAIN, go to the library to fax it (I don't have a printer/fax), and wait some more.
This nonsense all started back in September, and as of 11-30-25, I STILL do not have my funds. I have made multiple phone calls, I get different responses from different people, I have medical issues that need attention, for which I need these funds, and this delay has impacted my ability to receive these services.
During my last phone call, I got this "song and dance" about how it takes five days to process the form, the account has to be "closed and on hold" for another five days, then it takes ten business days to do blah-blah-blah...

This is the worst HSA company in the entire universe.
STAY AWAY FROM THEM. Even if it means you do not have an HSA, STAY AWAY FROM THEM.

Horrendous service. Incompetent and completely unhelpful employees. They must hire the worst performers only. All of the ones I spoke with to try to get some help were completely useless and provided absolutely zero help. I wonder why we even bother contracting with this terrible company. They myst be incredibly cheap and the service is in accordance I suspect. Zero stars if that was an option. Watch out for this one!

Paid pre-taxed money in for a transit pass that was never delivered. Health equity refused to offer a credit for the next month, nor refund of my pretaxed dollars so essentially they stole $110 from my paycheck without any confirmation if delivery. Customer service also is not helpful in the slightest, not sure why they have a customer service team to just answer people “no” on every request.

I submitted a claim to close my account in August and was told I should receive a check about a week later. In October, I still hadn't received a check. The customer rep said she saw the request, but it was never sent to their closure department. It took almost three months to close my account since customer service did not do their job correctly.

I downloaded the Health Equity app on my phone and discovered that setting up the passkey becomes my access to open my phone for everything!! I uninstalled the Health Equity app and the passcode is still there!! The app does not work and customer service cannot determine why. I asked for paper statements without a fee and they said not possible. I am moving my HSA.

My HSA account at Health Equity was the target of fraudulent charges ($836). Those fraudulent charges were not reported to me by Health Equity. The activity was detected after a fourth and fifth attempt to use the card data and my account was locked. This was not reported to me. Nearly a year later I tried to use my card at an MD and it was denied. After waiting for a code sent by snail mail, I finally regained access to my account. I filed a claim for reimbursement for those charges but it was denied because it was past 60 days. This is outrageous. My money in their stewardship was STOLEN and they shirk accountability. I'll cheer when this company drops dead.

I have had the worst customer experience with health equity. They mailed my check to the wrong address and they will not reissue it and making me call again after 10 business days. They basically state their hands are tied and gave me a mailing address to file a complaint.

They have really bad fees. Service is bad. Customer service does not even know what options are present in the app. Crazy that spent 1 hours with customer service to be said that login from computer

I echo everyone's 1 star reviews and am sincerely interested in how to legally recoup my money. This is the scammiest company I've ever dealt with and am shocked that this was even an option through my employer.

HealthEquity purchased my account from another company. When they transferred my account they pulled all my investments and put them into an HSA. After reviewing this i called to see if i could get some support reinvesting my funds. NO LUCK! No investment managers on staff. So i went on line and figured it out myself. I moved my money into the funds that I thought would fit me the best. A couple weeks later fund got moved from my investment account to my HSA without my permission. I called customer support 2 times and they could not figure it out. They second time i talked to them i got disconnected from them somehow and could not call back.

Like many of those who have left reviews, I have been locked out of my account, and have spent hours on the phone over the past several weeks with company personnel, none of whom can get me back in. The move to passkeys has been disastrous, and I am deeply disappointed in the way Health Equity has chosen to handle this debacle. Exceptionally poor customer service, expertise, experience.

Health Equity has no support when overseas. I can't login when outside the US. I rarely have success using the app when using a VPN to spoof that I am in the US. They try to be helpful but will try to sove any proble other than the one that is important which is access from overseas. The operator keeps asking for an address NEVER making clear they want where I live or my mailing address in the US. I once was able to get an updated card but it didn't work outside the US so that was wasted time. Health Equity is useless if you retire over seas.

They charge you a monthly $2.50 admin fee for doing nothing, and charge you an extra $25 to close the account. Absolute scam.

If I could give a 0 for this company, I would. The benefit, having a bulk amount set aside year-round to use for medical purposes. The disbenefit...rude customer service, apps that do NOT work, systems that crash and cannot do math properly, poor ways of contacting the company, stressful compound for using the card of your OWN MONEY, and if you don't use it all when unenrolling or have too much leftover at the end of the year you just lose out on your money.

Since registering for their service, I have had repeated problems just trying to log into my account. Today, I called customer support, and the agent I spoke with could not even get my name correct after several attempts. When I asked to be transferred to another agent, she began mumbling and speaking unprofessionally.

I then requested to speak with a supervisor. After being placed on hold, someone came on the line claiming to be a supervisor. This person asked me for my name and date of birth. When I requested their employee ID for verification, they refused, became nervous, and abruptly hung up on me.

It is clear to me that the first agent simply handed the phone to another person—possibly not even a company employee—in order to avoid handling the situation. This raises serious concerns about the security of customers’ personal data, as it suggests unauthorized individuals may have access to sensitive information.

Based on this experience, I believe this company cannot be trusted with safeguarding customer data. I will be filing a formal complaint with the appropriate authorities, including the Bureau of Commerce, and will pursue further action for what I view as a breach of my personal information.

Asked if I could use the Health Equity Visa Card for medical expenses in Europe before moving there. They said YES; I could not! When trying to enter my medical expenses in my account online, Health Equity blocked my online access because I was using VPN! When I was trying to close the account, Health Equity said I would have to enter my account data, although my access was blocked. Then they said I resubmit an account closure form and I would receive a check. Then I received an email and call, where Health Equity asked that I resubmit a closure form and a voided check to have my money deposited into my bank account. They said the money would be deposited within 10 days. The ten days have expired: no money!

I love my Health Equity HSA, but this new passkey is horrible, I understand trying to keep your info safe, but quit with the passkeys and linking everything to my phone! I do not want it, you can verify your information all you want, but without the passkey they will not let you into your account. This is not right!!

Having a Health Equity FSA account is akin to torture. Nearly every transaction requires a receipt. If they are not happy with the receipt, they will deny coverage. This has been a complete nightmare. It has caused more headaches than it’s worth. It’s my money. It’s my healthcare expenses yet they provide so many obstacles to use the damn card it’s infuriating. Any excuse to deny an expense they’ll do it. Never again.

Corporate greed. Fees pop up without customer consent. Accounts get sold and taken over by them without consent. Account closure fees. No online forms, paper only.