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HSA Plan Options for Your Group

This page introduces the different HSA plans we offer.


Your HSA plan determines the rate of interest you can accrue on your HSA balance and also any monthly participant fees you must pay for your account. Some employers will choose the HSA plan type for their group and will not let employees change to a different plan type. If you are not sure whether you can choose your own plan, check with your employer or benefits administrator.

Choosing a health savings account (HSA) is an important step in managing your employees' current and future health care expenses. This unique, tax-advantaged account gives your employees the flexibility, security and control necessary to meet changing health care needs. Choosing Further as your HSA administrator is equally important because with Further you get the benefit of our innovative account options, online management tools and industry expertise — topped off with no hidden banking fees.

Which will you choose?

PremiumSaver HSA
All-inclusive, high return option.

SelectSaver HSA
FDIC insured account with an investment option.

BasicSaver HSA
Value option with industry leading rate of return.

ThriftSaver HSA
Low fee account with an investment option.

FreeSaver HSA
Online only, no fee account option

No Hidden Fees

While other HSA administrators have complex fee structures, Further does not charge for the following:

  • Account opening or closing fees: $0
  • Debit cards: $0
  • Replacement debit cards: $0
  • Over contribution fee: $0
  • Contribution return fee: $0
  • Stopping payment fee: $0

Investment Account Options

The FreeSaver HSA plan type does not allow for investment options.

Account type

Available funds

Annual account service fees*

Base Balance

Funds in the Base Balance earn interest at rates set by Further. Members may leave all funds in the base account.

Annual fees vary

Basic Investment Account

When a member's Base Balance exceeds $1,000, you have the option to invest the amount over this threshold in a variety of pre-selected mutual funds.

An additional $18.00 per year**; this fee is paid out of the Basic Investment Account

Self-Directed Brokerage Investment Account

When a member's Basic Investment Account exceeds $10,000, you have the option to invest the amount over this threshold in a wider range of mutual funds as well as stocks, bonds and other investments.

An additional $18.00 per year**; this fee is paid out of the Self-Directed Brokerage Investment Account.

*These fees are in addition to any HSA account administrative fees that Further may charge.
**The annual fee is not cumulative. Members with both types of investment account will only pay one $18 fee per year.

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