HealthEquity Anmeldelser 

Horrible. Absolutely horrible. Health Equity denies claims -- valid ones -- and requires an enormous amount of paperwork to prove claims. It should be up to me and the IRS to handle my FSA reporting, not up to my employer to end up with 1000 bucks at the end of the year because they deny everything

Second Edit: I did receive word from a services specialist finally today, and he was actually rather nice and seemed adamant in getting this resolved. If you're having issues with regular support, please do as I didn't and document the time, number called from, and number called to so he can help coach. There's zero reason most of these reviews should be like this, imo. I did express my concerns about the verification process with feedback, for those who are just coming in to review.

Year after year I'm locked out. Year after year I get mocked or ignored when I say I want my account deleted (I don't care about the amount my HSA has, I may as well not have it, I can't access it or use it!). I'm frankly speaking about to start looking at legal ways to dispute this company, as this is a joke. I barely consented to being signed up for these benefits just for them to slowly whittle away at my balance and defer responsibility for their actions. Abyssmal consumer support, horrid website, too many third party handshakes, zero support - They just take your money and absorb it month after month. Just look at the other reviews and see if you feel like shooting yourself in the foot this badly.

Edit: I'm now transfering my HSA ta complete different service. After hours of trying to verify, I was randomly accepted with pictures that didn't even vaguely have my ID in view. See the Better Business Bureau and Yelp for similar reviews. One of the only five star reviews even on here is a staff member, and while I can understand being yelled and sworn at sucks, I don't appreciate those claiming theseone star reviews are invalid. I'd still be a customer if I ever received proper service, OR HELP.

P.S. Date of Experience was 2018 to 3/30/26. Not sure why it keeps correcting to 3/29.

I am extremely frustrated and disappointed with HealthEquity. For months, they deducted money directly from my paycheck, money I worked very hard to earn, with the promise that I would be able to use it for medical expenses through their card. However, when I needed to use the remaining balance $900.00 they did not allow me to access or use my own funds. The money was taken from my paycheck, and I trusted that it would be available when I needed it most. I feel taken advantage of and let down by a company I trusted. I strongly recommend that others be very cautious and fully understand all the terms before enrolling. My experience has been frustrating, unfair, and unacceptable.

Souse lost job on 6th of month. Did not receive our COBRA notification in the mail after 2 weeks. We called them and elected coverage and paid by the 19th of the same month for both that month and the following month. Tried to verify coverage on the 21st; not covered. Tried again on the 23rd no coverage. Called health equity, and they claimed they sent the request to initiate coverage to the insurer that day due to our call. On the 25th, still no coverage. Called again. Again they claimed they had sent request to the insurer on the 23rd and did so again on an expedited basis due to our call to them on the 25th. On the 26th, still no coverage. Called health equity they again claimed they notified the insurer on the 23rd and on an expedited basis on the 25th. So, called the insurer on the 26th. Insurer said nothing received from Health Equity at all.

The worst app ever! There's always an issue logging in and then it locks you out for trying. It is not easy to use and as a retired person who has many doctors visits I need to use often. Getting reimbursed can be a nightmare depending on who handles your request. Calling customer service is also useless. This is my retirement perk. Great, Thanks.

I opened an account in 2010, last deposit was 2015 for a medical IRA. When I went to use some of the money invested in 2024, I found that 21,000 of the 26000 was gone. Someone accessed my account at Health Equity and drained 21k from the account.
It is IRA money, and that money needs to have taxes paid. I have asked HEquity to explain what I just did on their letter head...they have refused. Do not trust these folks. The interface on line is difficult. No one returns requests in a timely manner

Absoultely Sucks! Sucks! Sucks! Sucks!
Zero positive to say about them

HE gives no mechanism to log in unless you install their app or a 3rd party one on a mobile device or use invasive biometretrics, which in any case my PC doesn't have. This is not enhanced security at all. It holds you hostage to multiple parties and means of compromise.

If I could give 0 stars I would. This company is a nightmare to deal with. Repeatedly needs receipts and claims filed for stuff you already did. Denies receipts that make no sense for the denials, stating things like services provided not stated in receipt, but it clearly says for Orthodontics. Never have I experienced such grief trying to get ahold of my own money.

Needed to close my account since I no longer worked for a company that used them and the account was almost depleted. Closed it and they kept the remaining funds as a "closure fee" with ZERO communication to me that would happen. That kind of thing should be illegal...STAY AWAY and find somewhere else to create an HSA.

This passcode thing is CRAP. I was not able to set it up on my phone (I wound up having to remove malware that took 5 hours) and then decided it wasn't worth the risk to my phone again so I closed my account. It's just not worth the phone app. They are not providing my 12/31/25 statement nor copies of any forms sent to the IRS, so I'm flying blind. NO DATA. This is breach of fiduciary responsibility, I believe, but they don't care. I do care but will have to work around it in spite of them.

Everything used to work fine online. You log in, you pay your bill. It took 5 minutes. Then they added this passkey thing, which took me more than two hours to set up and works only on my phone. Will not work on my desktop. Since I have vision problems I prefer to work on my desktop. But not now! Now I have to squint on my phone. More than 2 hours of set up for a three minute task!!! Not really the worth the effort and made my blood pressure go up.

Most frustrating call center I've ever experienced. Trying to open a personal HSA account. Got the runaround in circles for 2-months with no resolutions. Wish there were an alternative to this horrible place!

My husband and I each have over $2500 in our respective accounts. Back in January 2026 I went through hours of hell with them to get them to stop charging us the $7.50 per month charge due to our balance being over what it says on the website is required to charge the fee. Same thing started up in February and I finally gave up and let them charge us. I intend to drain this account a.s.a.p. HORRIBLE customer service

I have no idea how this place stays in business with the consistent negative reviews and customer experience.

Passkey is a nightmare. as someone that doesnt have a smart phone I am having a very hard time every time I want to login on my desktop, Its a shame that a company wouldn't offer 2 step verification.

There are many people like me that prefer not to use a smart phone for many reasons including religious reasons or just because of their age and Health Equity should respect that.

Aside from that the entire claim process is not user friendly and should be more simplified.

Their Customer support was actually good.

I have a HSA from my employer with them and all they have been difficult. They just implemented a passkey login which makes it impossible to login any other way. On top of that the investment account charges a flat 3% admin fee PER MONTH on the whole investment balance. Cant wait to take my business elsewhere. I work in higher education btw.

This company cares more about its bottom line than you. They now charge your to send your own money to you. Also, if you hope to bypass this, by removing access to tie your account EXCEPT by using Plaid, they have essentially found a way sell your personal transaction information so they can get a discount on processing reimbursement accounts.

It's not nearly as much about "Security" as they would fool you into believing. You can bypass the sale of your information easily enough though. Just open an account somewhere that you don't do anything else with. Set it up, then block all future permissions and formally request Plaid delete all of your information. Bull shit that they expect to get to spy on your transactions from that point forward. Don't let them! And read the EULA!! It's very explicit!

The customer help function has never resulted in resolution of any questions or issues for me. It prompts you through AI assistant which has not once been useful or relevant, then goes to live agent whom unfortunately are either not trained nor given the tools to provide any resolution.

Health Equity is also completely uninterested in fraudulent charges. I had a fraudulent provider bill to the account (but no co-pay for me) so I did not pick up right away. I notified them as soon as I saw it and they told me "you don't have an out of pocket cost so why are you worried about it". You can thank Health Equity in part for our high health costs.

They were great for years holding my HSA investments and I used their debit card. But when quit using passwords to access my account, and I requested a roll over to a local bank, it took from August of 2025 until today, February 12, 2026 to get that accomplished. Untold hours on the phone, multiple emails... In December Health Equity said the check was in the mail. Later they told me they canceled the checked. Then I found out the account had never been closed. Not sure how much is lying, incompetence, passing the buck... All I know is that what should be an easy task, a roll over, took hours on the phone, threats of involving an attorney, getting locked out of my phone once, and seven months to accomplish.