HSA Database

The Employee Benefit Research Institute (EBRI) developed the EBRI HSA Database to analyze the state of and individual behavior in health savings accounts (HSAs). The EBRI HSA Database is a representative repository of information about individual HSAs. The database is unique because it includes data provided by a wide variety of account recordkeepers and, therefore, represents the characteristics and activity of a broad range of HSA owners. The HSA Database contains 14.5 million accounts with total assets of $42.5 billion.

Annual Cross Sectional

Health Savings Account Balances, Contributions, Distributions, and Other Vital Statistics, 2023: Evidence From the EBRI HSA Database
EBRI Issue Brief June 5, 2025 20 pages Summary Full Content (Members Only )
Health Savings Account Balances, Contributions, Distributions, and Other Vital Statistics, 2022: Evidence From the EBRI HSA Database
EBRI Issue Brief March 7, 2024 22 pages Summary Full Content (Members Only )
Health Savings Account Balances, Contributions, Distributions, and Other Vital Statistics, 2021: Evidence From the EBRI HSA Database
EBRI Issue Brief Jan 26, 2023 20 pages Summary Full Content (Members Only )
Health Savings Account Balances, Contributions, Distributions, and Other Vital Statistics, 2020: Evidence From the EBRI HSA Database
EBRI Issue Brief Oct 14, 2021 23 pages Summary Full Content (Members Only )
Health Savings Account Balances, Contributions, Distributions, and Other Vital Statistics, 2019: Statistics From the EBRI HSA Database
EBRI Issue Brief Jan 21, 2021 22 pages Summary Full Content (Members Only )
Health Savings Account Balances, Contributions, Distributions, and Other Vital Statistics, 2018: Statistics From the EBRI HSA Database
EBRI Issue Brief Dec 5, 2019 27 pages Summary Full Content (Members Only )
Health Savings Account Balances, Contributions, Distributions, and Other Vital Statistics, 2017: Statistics From the EBRI HSA Database
EBRI Issue Brief Oct 15, 2018 25 pages Summary Full Content (Members Only )
Health Savings Account Balances, Contributions, Distributions, and Other Vital Statistics, 2016: Statistics from the EBRI HSA Database
EBRI Issue Brief Sept. 19, 2017 32 pages Summary Full Content (Members Only )
Health Savings Account Balances, Contributions, Distributions, and Other Vital Statistics, 2015: Estimates from the EBRI HSA Database
EBRI Issue Brief Nov 29, 2016 28 pages Summary Full Content (Members Only )
Health Savings Account Balances, Contributions, Distributions, and Other Vital Statistics, 2014: Estimates from the EBRI HSA Database
EBRI Issue Brief Jul 14, 2015 28 pages Summary Full Content (Members Only )
HSA Balances, Contributions, Distributions, and Other Vital Statistics—A First Look at Data from the EBRI HSA Database on the 10th Anniversary of the HSA
EBRI Issue Brief Jun 17, 2014 32 pages Summary Full Content (Members Only )

Longitudinal

Trends in Health Savings Account Balances, Contributions, Distributions, and Investments, 2011–2023
EBRI Issue Brief June 18, 2025 24 pages Summary Full Content (Members Only )
Trends in Health Savings Account Balances, Contributions, Distributions, and Investments, 2011–2022
EBRI Issue Brief March 21, 2024 23 pages Summary Full Content (Members Only )
Trends in Health Savings Account Balances, Contributions, Distributions, and Investments, 2011–2021
EBRI Issue Brief Feb 23, 2023 22 pages Summary Full Content (Members Only )
Trends in Health Savings Account Balances, Contributions, Distributions, and Investments and the Impact of COVID-19
EBRI Issue Brief Sept 15, 2021 23 pages Summary Full Content (Members Only )
Trends in Health Savings Account Balances, Contributions, Distributions, and Investments, 2011‒2019: Estimates From the EBRI HSA Database
EBRI Issue Brief Nov 12, 2020 23 pages Summary Full Content (Members Only )
Trends in Health Savings Account Balances, Contributions, Distributions, and Investments, 2011‒2018: Estimates From the EBRI HSA Database
EBRI Issue Brief Jan 9, 2020 22 pages Summary Full Content (Members Only )
Trends in Health Savings Account Balances, Contributions, Distributions, and Investments, 2011–2017: Estimates From the EBRI HSA Database
EBRI Issue Brief October 29, 2018 22 pages Summary Full Content (Members Only )
Trends in Health Savings Account Balances, Contributions, Distributions, and Investments, 2011-2016: Statistics from the EBRI HSA Database
EBRI Issue Brief Jul 11, 2017 24 pages Summary Full Content (Members Only )

Specific Topics

A Deeper Dive Into HSA Distribution Dynamics
EBRI Fast Facts Aug 8, 2024 2 pages Summary Full Content (Members Only )
How Health Savings Accounts (HSAs) Vary by State
EBRI Fast Facts May 27, 2021 2 pages Full Content (Members Only )
HSAs by State
EBRInteractive May 20, 2021 Full Content
Using HSAs: Length of Time Matters
EBRI Fast Facts Feb 18, 2021 3 pages Full Content (Members Only )
Two’s a Crowd: Do HSA Contributions Crowd out 401(k) Contributions?
EBRI Chartbook Feb 4, 2021 33 pages Full Content (Members Only )
Utilization of Below-the-Radar Features of HSAs
EBRI Fast Facts Dec 17, 2020 4 pages Full Content (Members Only )
How Sensitive Are Health Savings Account Contributions to State Taxes: Evidence From EBRI’s HSA Database
EBRI Fast Facts May 7, 2020 3 pages Full Content (Members Only )
Who Doesn’t Immediately Invest Their HSAs? A Look at Latecomers
EBRI Fast Facts Apr 16, 2020 3 pages Full Content (Members Only )
HSAs and Coronavirus: A Look at COBRA Premiums, OTC Expenses, Telemedicine, and Investment Balances
EBRI Fast Facts Apr 9, 2020 3 pages Full Content (Members Only )
Are HSA Investors Born or Made?
EBRI Issue Brief Apr 2, 2020 14 pages Summary Full Content (Members Only )
Higher-Income HSA Owners Save More, Spend More
EBRI Fast Facts Jan 16, 2020 2 pages Full Content (Members Only )
‘Investment Options and HSAs: Findings from the EBRI HSA Database,’ and ‘How Much Can Qualifying Longevity Annuity Contracts Improve Retirement Security?’
EBRI Notes Aug 26, 2015 24 pages Summary Full Content (Members Only )
“Maximizing Contributions to an HSA: Findings from the EBRI HSA Database,” and “Debt of the Elderly and Near Elderly, 1992–2013”
EBRI Notes Jan 29, 2015 24 pages Summary Full Content (Members Only )