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Health Savings Accounts

If your company offers a Qualified High Deductible Health Plan (QHDHP) to employees, your company may be eligible to augment individual employee Health Savings Accounts by making contributions to them.

A common incentive some employers offer is to contribute the difference in premiums between the QHDHP and a traditional health insurance plan to the employee's account.

A Wide Range of Investment Choices

We offer a selection of Saturna no-load mutual funds with a variety of investment objectives. By investing in more than one fund, you can tailor your own risk and return objectives. Additionally, with a self-directed Brokerage option, you can purchase stocks, bonds, fixed income securities including CDs and US Treasurys, plus a wide range of unaffiliated mutual funds.

Personalized Service

At Saturna Capital, we help make investing easy. Our staff is dedicated to helping you with your investing questions. Your account representative can help you customize your HSA investing strategy. You can even invest automatically from your bank account to most Saturna Capital accounts.

Saturna's No-Load Mutual Funds

If you invest in any of Saturna's affiliated no-load mutual funds, we will not charge you any account opening, maintenance, or custodial fees on your HSA account (mutual fund expenses do apply).

Investments in mutual funds are subject to ongoing expenses that shareowners pay indirectly. Please consult a fund's prospectus or summary prospectus for more details.

Self-Directed Brokerage Account

If you wish to purchase stocks, bonds, ETFs, CDs, US Treasurys, and non-Saturna mutual funds as part of your HSA investments, a Self-Directed Brokerage HSA is also available. A self-directed Saturna Brokerage Services account enables you to purchase and sell a variety of securities. A regular brokerage statement is provided showing each security in your account and its current value. The account is subject to normal brokerage commissions and other possible charges (see the commission schedule at

Please note: Health Savings Accouns with Saturna's No-Load Mutual Funds and Self-Directed Brokerage HSAs are not advisory accounts; Saturna Brokerage Services does not provide investment advice. Saturna Capital provides investment advice only under specific contracts.

Check out the background of Saturna Brokerage Services, Inc. or any firm or investment professional on FINRA's BrokerCheck.