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Assets
Financial Assets$61.8T
Stocks & Equities$47.2T
21% of households
Cash & Deposits$9.6T
99% of households
Bonds & Fixed Income$6.2T
1% of households
Retirement & Tax-Adv.$77.8T
Retirement Accounts$48.1T
54% of households
IRAs$18.9T
31% of households
401(k) Plans$10.0T
50% of households
529 Plans$603B
13% of households
HSAs$159B
27% of households
Real Assets$87.1T
Real Estate$48.0T
66% of households
Commercial Real Estate$22.5T
6% of households
Residential Rentals$10.3T
13% of households
Farms$3.6T
1.5% of households
Vehicles$2.4T
87% of households
Mineral Rights$314B
9% of households
Business & Insurance$20.1T
Private Business$16.0T
15% of households
Life Insurance$2.2T
16% of households
RSUs & Equity Comp$2.1T
8% of households
Total Assets $181.6T
Ownership %: Federal Reserve SCF, 2022
Liabilities
Housing Debt$14.8T
Mortgages$13.77T
42% of households
HELOCs$434B
4% of households
HELOANs$562B
~3% of households
Consumer Credit$3.6T
Vehicle Loans$1.67T
35% of households
Credit Cards$1.33T
45% of households
Personal Loans$276B
19% of households
Vehicle Leases$209B
~10% of households
BNPL Debt$70B
~17% of households
Education & Health$2.1T
Student Loans$1.66T
22% of households
Medical Debt$194B
~14% of households
Deferred Medical$200B
~36% of households
Other Debt$2.2T
Margin Loans & SBLOCs$1.23T
~4% of households
Personal Guarantees$840B
~6% of households
Insurance Policy Loans$151B
~5% of households
Total Liabilities $20.9T
Holding %: Federal Reserve SCF 2022 & agency estimates
Net Worth
Overview By Percentile By Age
Cash Flow
Income Spending Taxes Debt Service Savings
Households
Overview By Age By Generation
Home / Assets / Health Savings Accounts

Health Savings Accounts

Time series data on U.S. Health Savings Account assets, account holders, and average balances.

HSA assets reached $159B across 40M accounts, up from $2.4B two decades ago
Data View Commentary →
Total HSA Assets
$159B Mid-2025
Source: Devenir HSA Research Reports · Semi-annual HSA Market Survey, 2005–2025
Number of HSA Accounts
40.0M Mid-2025
Source: Devenir HSA Research Reports · Semi-annual HSA Market Survey, 2005–2025
Average HSA Account Balance
$3,975 Mid-2025
Source: Devenir HSA Research Reports · Computed as total assets divided by total accounts

Key Data

Key HSA metrics from the Devenir 2025 Midyear and 2024 Year-End HSA Research Reports.

Metric Value As Of Source
Total HSA Assets $159 Billion Mid-2025 Devenir
Total HSA Accounts 40.0 Million Mid-2025 Devenir
HSA Investment Assets $72.9 Billion Mid-2025 Devenir
Share of Assets in Investments 46% Mid-2025 Devenir
Accounts with Investments 4.0 Million (10%) Mid-2025 Devenir
Avg. Balance (Investment Accounts) $22,635 Mid-2025 Devenir
Average Account Balance (All HSAs) $6,489 Year-End 2024 PSCA
2024 Annual Contributions $56 Billion Year-End 2024 Devenir
2024 Annual Withdrawals $42 Billion Year-End 2024 Devenir
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