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
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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
I have no idea how this place stays in…
I have no idea how this place stays in business with the consistent negative reviews and customer experience.
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.
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.
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!
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.
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.
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.
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.
They like to introduce fees
They like to introduce fees! Darn if you stay and darn if you leave.
New monthly fee is $3.25 per month
New account closure fee is $25
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.
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.
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 ...
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 !!!
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.
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.
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.
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 !!!
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.
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.
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