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Let Your HSA Work for You with Alternative Investments

Grow your healthcare savings with a flexible, self-directed HSA—designed to empower your long-term financial health.

  1. Contribute up to $4,150 for individuals or $8,300 for families annually (plus a $1,000 catch-up if you’re 55+)
  2. Invest in alternative assets like real estate, gold, crypto, and private equity
  3. Funds roll over year to year — no “use it or lose it” rule
  4. Gain full control over how your HSA funds are managed and where they are invested

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Complete our pre-application in just 60 seconds to get started

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What is a Self-Directed Health Savings Account?

A Self-Directed HSA (Health Savings Account) is a type of HSA that allows account holders to invest their contributions in a wide range of alternative assets beyond traditional options like mutual funds or ETFs. This can include real estate, precious metals, private equity, and more.

Like a standard HSA, it offers triple tax advantages: contributions are tax-deductible, growth is tax-free, and withdrawals for qualified medical expenses are also tax-free. A Self-Directed HSA provides greater control and potential for growth but requires careful management to stay compliant with IRS rules and avoid prohibited transactions.

Flexible Investing

Ability to invest in stocks, real estate, cryptos, and more.

HSA Specialists

Get help to maximize your Self-Directed HSA savings with live chat available between 8AM – 6PM.

Full Control

Full investor control or custodial support.

Self-Directed HSA

  • Best value self-directed solution
  • Invest in almost anything you want
  • Choose checkbook or custodial control of your investments
  • No transaction or asset value fees

Checkbook Control

$999

setup fee

$120

annually

Get Started

Custodian Control

$0

setup fee

$120

annually

Get Started

The #1 Self-Directed Retirement Company

IRA Financial, founded in 2010, is a leading provider of self-directed retirement plans and dedicated to helping individuals and business owners invest freely and retire confidently.

Why IRA Financial?

  • Over $5 billion in retirement assets under custody
  • 25,000+ clients across all 50 states
  • 97% client retention rate
  • IRS-compliant platform designed for self-directed investors
  • Expert support from highly trained specialists
Trustpilot

Open Your Self-Directed HSA Account in 3 Easy Steps

See if You Prequalify

Submit the form at the top of this page and apply online

Fund Your Account

Make a contribution or transfer from another IRA account

Choose Your Investments

Pick from any number of alternative asset investments

Get Started Now

See What Our Clients Have to Say

I’m beyond pleased with having my self-directed IRA in your teams capable hands. In a few short months, it’s already proving to be a solid retirement investment vehicle. The fees are insignificant compared to the value. Many thanks.

Ann M. C.

Illinois

The process of setting up my self-directed IRA was quick and painless. There were a lot of forms to be completed, but the customer service at IRA Financial Group is great and they are very quick to respond. I was able to complete my set up quickly and get my funds transferred very quickly. Thanks!

Christy

Virginia

I am extremely pleased with the service and professionalism provided by the IRA Financial Group. I don’t think you can find a better firm to handled Self Directed IRA accounts. Keep up the great work and I will always do business with you.

Owen S.

Texas

IRA Financial Group was invaluable in setting up my account. They explained all of the details involved with the process and made the entire evolution simple and efficient. If someone is considering a self-directed IRA, IRA Financial Group is the clear choice.

Michael J.

Utah

Ready To Take Control of Your Retirement Savings?

Take control of your retirement by investing in alternative assets like real estate, cryptocurrency, businesses, and more. Start creating wealth today by starting your application.

Get Started with an HSA

Ready to plan for your future?

Take control of your retirement by investing in alternative assets like real estate, cryptocurrency, businesses, and more. Start creating wealth today by opening an account.

Open an account