HealthEquity Reviews 329

TrustScore 1 out of 5

1.1

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Review summary

Based on reviews, created with AI

Most reviewers were let down by their experience overall. Many people were dissatisfied with the customer service, finding representatives unhelpful and often unable to resolve issues, leading to prolonged frustration. Customers also frequently encountered problems with the website and user experience, particularly with login processes and account access, which were described as having technical issues or being non-functional. The payment system also caused significant dissatisfaction, with many reporting issues like declined cards, transaction discrepancies, and difficulties in getting funds transferred or cards issued. Some people were also dissatisfied with the service overall, citing a lack of support, especially for those overseas, and a general sense of inefficiency from the company.

What people talk about most

Customer service

Clients share negative opinions on customer service, with many expressing extreme frustration and... See more

Payment

People report negative experiences with payment. Many customers express frustration, stating that money is... See more

Service

Reviewers highlight negative aspects of service, with many expressing frustration over issues such as phone... See more

Website

Users describe negative interactions with the website, citing it as difficult to navigate and use. Many... See more

User experience

Consumers find the user experience to be overwhelmingly negative. Many reviewers report extreme frustration... See more

Based on these reviews

Rated 1 out of 5 stars

Has to be the worst website (and app) I have ever used. No uability testing. The login process with a Passkey is do corrupted and does not work many times. NON intuitive. Fire designers and developer... See more

Rated 1 out of 5 stars

Horrible. Can't log in, their verification process doesn't work, and they take 40% of the money in fees and administrative charges. Won't be re-upping next year. It is not worth the time, aggravatio... See more

Rated 1 out of 5 stars

Legitimately the worst experience I've ever had with any financial institution. I had 3 unknown transactions on my HSA card that I've called so many times to get help with. They kept sending me back a... See more

Rated 1 out of 5 stars

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... See more

Rated 3 out of 5 stars

I read reviews about healthequity and understand alot of the frustration on passkey and account access. The other complaints are just stupid. More than half the time it's because the member doesn't un... See more

Rated 1 out of 5 stars

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... See more

Rated 1 out of 5 stars

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, system... See more

Rated 1 out of 5 stars

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... See more

Rated 1 out of 5 stars

I can't believe they're still haven't fixed their passkey, which is a total disaster. I have 11 other institutions joined correctly through my budget tool at my credit union, but not health equity. Qu... See more

Rated 1 out of 5 stars

This company is headed for a death-spiral. They have been nothing but a PITA since they acquire our previous provider, Hello Further. The transition was a PITA, and now they've eliminated their web... See more

Rated 1 out of 5 stars

Tried to refill a prescription at a pharmacy that I’ve used multiple times. Card was declined in spite of having a substantial balance, then the transaction was marked as fraud so my card was frozen.... See more

Rated 1 out of 5 stars

I don't know how Healthequity is a BBB company. I had an account of hellofurther and then they merged to Healthequity and my trouble begin. Last time I managed my account by login hellofurther then li... See more

Rated 1 out of 5 stars

Health Equity is the worst. I needed to sign on to my account tonight. Spent the last hour trying to set a passkey due to some new security requirement. I still can't log in to my account. What's wron... See more

Rated 1 out of 5 stars

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. T... See more

Rated 1 out of 5 stars

It is borderline criminal how they drain your account dry at nearly $4 per month. Then make it so hard and ridiculously long for you to get the money transferred or card issued that it drains further... See more

Rated 1 out of 5 stars

We received a request about providing receipts related to our FSA account. We uploaded everything, but keep receiving requests for more paperwork. We had similar FSA accounts practically... See more

Rated 1 out of 5 stars

In 2025 I received a mailing packet to submit documentation for reimbursement of expenses. When I didn’t hear from them I called. They say I’m not in their system but somehow they can mail me the fo... See more

Rated 1 out of 5 stars

Have been using WageWorks for FSA for years, which was bad enough. But now transferred to / renamed to HealthEquity and I can no longer even sign in, the site can't verify me to find my password, us... See more

Rated 1 out of 5 stars

Consistently difficult to access account which you have to do often because you are constantly getting notified that a legit charged needs verified. Often the same charge several times. It is a tactic... See more

Rated 1 out of 5 stars

Where do I begin? Firstly, they rarely receive faxes that we send over. We can send over 3 copies and they never get them!!! Secondly, they usually reject invoices and need new ones. This company... See more

Rated 2 out of 5 stars

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... See more

Rated 2 out of 5 stars

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 verifica... See more

Rated 2 out of 5 stars

They will lose all record of the receipts you submit, so you have to keep the receipts available to re-upload on a regular basis. They will also accidentally add extra money to your account and then... See more

Rated 1 out of 5 stars

I have never been able to use the service to pay for any medical bills. After confirming your identity over the phone, customer service is unable to restore account access, make changes to any user a... See more

Rated 1 out of 5 stars

This company is a complete scam. Sharing this as both a heads up and a warning. This was in regard to my HSA. They charge a $4 monthly admin fee and a $1 paper statement fee, even if your balance is... See more

Rated 1 out of 5 stars

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 m... See more

Rated 1 out of 5 stars

Had an unauthorized charge on my HSA card. Only option to remove the charge was to cancel the card. A replacement would be sent in 7-10 business days. So I asked them to expedite it and they refused,... See more

Rated 1 out of 5 stars

DO NOT DEAL WITH HEALTH EQUITY! They use your money for their profit by nickel and diming you constantly. I have been trying to close my account for 3 weeks. I have sent ALL of the requested document... See more

Rated 1 out of 5 stars

I wish I could give this company 0 stars. Please stay away from this company!! I have been trying to close my account for over a month but it has been impossible!! I call every week to get an update a... See more

Rated 1 out of 5 stars

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 tr... See more

Rated 1 out of 5 stars

Had an HSA with them. They then began demanding that I set up a freaking samsung microsoft PASSCODE just to log back in to my OWN ACCOUNT. Beyond evil privacy violation. No alternatives. Avoid at all... See more

Rated 1 out of 5 stars

I'm a bank CEO and am horrified Health Equity acquired the firm we previously used to administer our HSA accounts for employees. Customer service is non-existent with hold times designed to make you... See more

Rated 1 out of 5 stars

Transfer of funds to another HSA takes months as they keep the interest on you funds after closing your account. If you have medical bills the funds will be unavailable to you for months in a tran... See more

Rated 1 out of 5 stars

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 ver... See more

Rated 1 out of 5 stars

Site is broken- unable to create a new account. Called customer service and spoke to 5 different people- all who were unable to help since they did not know what to do besides asking me to "retype my... See more

Rated 1 out of 5 stars

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.... See more

Rated 1 out of 5 stars

I submitted a dependent care claim for $4,999.92 on January 4, 2026 for the 2025 DCRA period. As of January 22, 2026 it still hasn't been paid. They hold your money all year, then gatekeep it when... See more

Rated 1 out of 5 stars

They constantly cannot figure out where they put the data that is sent to them. I think I have uploaded receipts and letters numerous times. Even if you have an HSA card, which each charge, you have... See more

Rated 1 out of 5 stars

One is way too generous for this company. We ordered probiotic online ( over the counter, non prescription, vitamins/supplements category ). First we were asked to submit receipts, which w... See more

Rated 1 out of 5 stars

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... See more

Rated 1 out of 5 stars

I with all of the other reviews. Even though the wait time to talk to a representative is surprisingly short, they do not know anything about issues you are calling for help, including simple things... See more

Rated 1 out of 5 stars

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, Heal... See more

Rated 1 out of 5 stars

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 st... See more

Rated 1 out of 5 stars

Horrible, the claims dept do not know what they are doing. They constantly denied my claims and states what I need to send it in. So I send in what new documentation that they need and they deny it ag... See more

Rated 1 out of 5 stars

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 so... See more

Rated 1 out of 5 stars

One star is too high for this company. Representatives have no idea about any subject discussed. Very formalistic, even rude. Most unpleasant experience! Avoid by any means.

Rated 1 out of 5 stars

What absolute garbage. Cannot even access their website on my phone. Keeps asking me to set up a passkey when I have done it over and over. Get your system fixed. No company that is that incompetent d... See more

Rated 1 out of 5 stars

I have been trying to shut down my HSA and transfer the funds to a different service based on brutally bad service for over six months. I'm still unsuccessful and the service continues to charge fees.... See more

Rated 1 out of 5 stars

I have a FSA with HSA. Claim submissions end up with denial after denial…..fix one thing and they find another reason to deny. And here is a tyoical denial reason. “Insufficient supporting rational... See more

Rated 1 out of 5 stars

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.


Company details


Contact info

1.1

Bad

TrustScore 1 out of 5

329 reviews

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Rated 1 out of 5 stars

Unfairly charging us monthly

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

19 February 2026
Unprompted review
Rated 2 out of 5 stars

Passkey is a nightmare

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.

18 February 2026
Unprompted review
Rated 1 out of 5 stars

I have a HSA from my employer with Health Equity

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.

19 February 2026
Unprompted review
Rated 1 out of 5 stars

Garbage Company Forces you to sell your Personal Info!

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!

18 February 2026
Unprompted review
Rated 2 out of 5 stars

The customer help function not helpful

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.

17 February 2026
Unprompted review
Rated 2 out of 5 stars

Bad roll over experience

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.

12 February 2026
Unprompted review
Rated 1 out of 5 stars

I have been trying to get a card mailed…

I have been trying to get a card mailed to me since November 2025. I have called multiple times each time is another lie as to how long I have to wait for the card. I was told I was getting one overnighted. I called 2 days later to find out the tracking number turns out they said they never reported the card was not recieved. This level of incompetitance is on the verge of fraud.

12 February 2026
Unprompted review
Rated 1 out of 5 stars

Why is the Health Equity website so…

Why is the Health Equity website so terribly bad? It's clear the company is attempting to keep members from accessing their own funds and account information. This is fraud.

11 February 2026
Unprompted review
Rated 1 out of 5 stars

I am extremely tech savvy and I found…

I am extremely tech savvy and I found the process to login to be not possible via app. I set up a passkey and then it errored. When I tried with the computer, same result. So disappointed. Need to inform my HR team to switch back to Bank of America ASAP.

7 February 2026
Unprompted review
Rated 1 out of 5 stars

Avoid at all cost

Transfer of funds to another HSA takes months as they keep the interest on you funds after closing your account.

If you have medical bills the funds will be unavailable to you for months in a transfer so they can do this - tell your employer to avoid.

2 February 2026
Unprompted review
Rated 1 out of 5 stars

Horrible

Horrible. Their portal sucks. Their security login with the passkey breaks every month. Their customer service is average. Their fees are super high.

Avid and go to Fidelity! Omg, what a bunch of ...

2 February 2026
Unprompted review
Rated 1 out of 5 stars

I'm a bank CEO and am horrified Health…

I'm a bank CEO and am horrified Health Equity acquired the firm we previously used to administer our HSA accounts for employees. Customer service is non-existent with hold times designed to make you hang-up. Website passkeys are unworkable and setting up direct deposits require you to disclose online banking passwords to a third party. Stay away !!!

2 September 2025
Unprompted review
Rated 1 out of 5 stars

Terrible, just terrible.

Website is designed to make it as difficult as possible to get reimbursement from FSA. Click "Reimburse Me" and you get a popup basically saying 'this is not going to give you a reimbursement', you're going to have to figure out on your own that you need to click a teeny little icon that will then enable you to click a whole lot more and burrow through a labyrinth of screens until you get to a page where you click, SURPRISE, 'Reimburse Me' AGAIN.
And now they've made it even MORE complicated by adding a passkey (instead of the simpler password they've had for years.) One of the worst websites I've ever encountered.
But we users have no choice, because this organization is selected by our employers (or their insurance company); there's no option, so we're stuck, and Health Equity knows that.

1 February 2026
Unprompted review
Rated 2 out of 5 stars

A Pain to Deal With & A Little Shady

They will lose all record of the receipts you submit, so you have to keep the receipts available to re-upload on a regular basis. They will also accidentally add extra money to your account and then demand you pay them back or your card will be cut off.

8 January 2026
Unprompted review
Rated 1 out of 5 stars

HealthEquity switched from passwords to…

HealthEquity switched from passwords to passkeys in Jan 2026, and I can no longer longer access my account. I called their customer service, but I was never able to reach a human representative; I was put on hold for over an hour. I filed a complaint via the BBB. A representative from HealthEquity called and left a message. She also left an email, which is more convenient for me. After corresponding via email, here's HealthEquity's policy:

If you have an Android, it must be version 10 or higher. I have version 9, so I cannot use the mobile app.

For the desktop, it must run Windows. I run linux, so I cannot use the desktop.

They have a zero tolerance policy. In other words, you either switch to passkeys, or you are locked out of your account. Since I cannot get a passkey via my smart phone or my desktop, I am locked out of my account.

26 January 2026
Unprompted review
Rated 1 out of 5 stars

Their customer service/support HORRIBLE !!!

Their customer service/support is pathetic. I called four times this morning, trying to get a simple issue fixed. All four agents I spoke with gave me a (VERY) different answer, and none were able to help me. I would like to know who to speak to so that I can get back the hour and 11 minutes I wasted trying to get help from these morons !!!

27 January 2026
Unprompted review
Rated 3 out of 5 stars

Read the instructions!!

I read reviews about healthequity and understand alot of the frustration on passkey and account access. The other complaints are just stupid. More than half the time it's because the member doesn't understand how the accounts work. They think healthequity intentionally keeps their money but don't realize healthequity don't do that at all. Outside of fees all the money that YOU lose goes back to your EMPLOYER! And if they say different that's a lie. All it is, is numbers that show up but healthequity don't physically hold your money. Half the time they go off of rules that your employer put in place or IRS guidelines. FSA is front loaded so no its not YOUR money it's your employers money it's not actually yours till the end of the year. You get asked for receipts because people ruined it I'm sure at some point by buying shit your not supposed to. It's to be sure we are paying for bills in our coverage period and on an eligible dependent. The card can't tell that so yes we have to submit receipts and if you actually understood what you signed up for you wouldn't be complaining it tells you receipts are required and on the receipt it has to have information on it to prove that when you ran the card it was used in your coverage period. READ your eligible expense list before you make purchases, vitamins are not eligible because the IRS says they are not medically necessary. So be an adult and understand the rules that your employer put in placed based off the IRS, so no healthequity doesn't keep our money anything lost goes to your employer!!! The website and app I couldn't agree more on the issues. And most of all don't wait till the last minute to check on your account especially when it's on a timeline. Every company takes time to process stuff it can't happen the instant you remembered you have an account. It's your responsibility to ensure your stuff is up to date. Sending stuff through the mail takes time. And your a liar if you were never told any of this cause it's all right there when you sign up and if it's not that's on your employer and you for not finding out what it is you signed up for. Ask questions and google shit you don't know. If you don't feel your getting help ask to speak to another person in customer service. I just don't understand how people sign up and put money into an account you don't understand.

25 January 2026
Unprompted review
Rated 1 out of 5 stars

Worst HSA management imaginable.

I have been trying to shut down my HSA and transfer the funds to a different service based on brutally bad service for over six months. I'm still unsuccessful and the service continues to charge fees. Worst HSA management imaginable.

26 January 2026
Unprompted review

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