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

They don't pay your claims on time

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 you ask for a legitimate disbursement.

22 January 2026
Unprompted review
Rated 1 out of 5 stars

I unfortunately have an FSA with this…

I unfortunately have an FSA with this company through my job. Avoid at all costs if you can. This company tries to scam you out of your money. There is always a reason to deny claims. I just sent an itemized bill with names and dates for chiropractic care. I also have a letter of necessity from my PCP. Let's see if they deny it...

Also, when I call customer service they are so unhelpful. They can't help me login, they can't stop transactions that I just accidentally put through, they can't help me get anything approved. What a joke!!

20 January 2026
Unprompted review
Rated 1 out of 5 stars

Bad customer service--really bad-- like…

Bad customer service--really bad-- like they told me they would not reimburse me for certain medical expenses because they happened before they took over the account (even tho I have the receipts!) high fees, and when I wanted to move my account to another custodian, they made me sell all my investments in order to transfer my money!

20 January 2026
Unprompted review
Rated 1 out of 5 stars

WageWorks frustrating but can't even log into HealthEquity

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, username, etc., doesn't let me register a new account because it can't find me, and then when I try to contact their "365/24/7" service line, I'm told that they are off business hours.* Meanwhile the clock is ticking on getting reimbursed for the year. Are they scam artists or just incompetent?

*And no it isn't 2/29 in a leap year.

19 January 2026
Unprompted review
Rated 1 out of 5 stars

In 2025 I received a mailing packet to…

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 forms. They opened a case number but never provide an update and now I learned it’s been closed. I have been submitting claims for nine years with Further without any issues. This company is awful.

19 December 2025
Unprompted review
Rated 1 out of 5 stars

Denied claims

Denied claims after being sent the documents they specifically asked for. Representative was rude. I wish the state would find someone else for our fsa. This is the 3rd time for me. From my doctor's office. What do they think the purchase was???

19 January 2026
Unprompted review
Rated 1 out of 5 stars

I wish I could give this company 0…

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 and they give me different information. I was offered a passkey which I never received, then linked my account to my bank and now it’s a totally different story . They are still charging me the maintenance fee. I have involved the BBB and following their steps for a resolution but this company is a SCAM. Horrible experience!!! Stay away from this company and do your research if offered by your employer.

17 January 2026
Unprompted review
Rated 1 out of 5 stars

Health Equity is the worst

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 wrong with logging in from my home computer with a secured computer and a secured internet connection? I will expire this account as soon as possible.

16 January 2026
Unprompted review
Rated 1 out of 5 stars

Horrible experience

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 throughout our whole working part of life.
Never anything like that with other providers.
Their app stops working at some point, when try to upload paperwork.
Secure email sends an automated replay about privacy and all kind of rules unrelated to the matter.
Representatives have no idea what they are talking about most of the time.
Fax which was sent by doctors office and confirmed was lost and we had to ask the again to resend it.
Absolutely horrible experience and lots of precious time wasted ( in our 70 s and still working !)
Warning to everyone:
do not do business with this company, if possible for you.

8 January 2026
Unprompted review
Rated 1 out of 5 stars

Horrible

Unfortunately, the customer service provided by HealthEquity has been extremely poor. The representatives I have interacted with have demonstrated limited knowledge, and resolving even basic issues has been unnecessarily difficult.

15 January 2026
Unprompted review
Rated 1 out of 5 stars

Consistently difficult to access…

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 to discourage usage. I am not a user, but my wife is through a retirement benefit from my previous employer. Not really much of a benefit if you can't use it.

14 January 2026
Unprompted review
Rated 1 out of 5 stars

Untrained Customer Service

I’ve had a HealthEquity account for years with my previous employer and let the balance stay in the account while I was in between jobs. When my new employer made the switch to health equity, I made several calls to activate my new card and tried to do a consolidation of accounts. Not only did the customer service rep say that was not allowed, they said in no other uncertain terms could I transfer my funds into another provider … which is contradictory to their own published policies. Annoyed with their reps inability and clear lack of knowledge, I immediately opened a Fidelity HSA and put a full account transfer request to in.

9 January 2026
Unprompted review
Rated 1 out of 5 stars

Do not trust them with your money

I used this company for years for my HSA accounts. Recently I went to switch investment choices and it was literally impossible to do. I spent hours on the phone and online trying to do a simple transaction it was not possible. I've transferred all my money to Fidelity. Do not use these people.

9 January 2026
Unprompted review
Rated 1 out of 5 stars

Horrible

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 again and again and again. I ordered glasses online and they say I need a receipt, so I provided a receipt and they want itemized items and how much I owe the eyeglass company. I'm like huh, I just ordered glasses online and used my personal debit card to pay for them, WHAT ARE YALL TALKING ABOUT?????!!!!

2 January 2026
Unprompted review
Rated 1 out of 5 stars

Has to be the worst website (and app) I…

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 developers. It really is an embarrassment. Cannot login from overseas even with a VPN.
i will be moving my large portfoilio . Obvious management does not care.. its been this way for years..

7 January 2026
Unprompted review
Rated 1 out of 5 stars

PRIVACY RAPER

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 costs not worth it.

5 January 2026
Unprompted review

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