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.
- Contribute up to $4,150 for individuals or $8,300 for families annually (plus a $1,000 catch-up if you're 55+)
- Invest in alternative assets like real estate, gold, crypto, and private equity
- Funds roll over year to year — no "use it or lose it" rule
- Gain full control over how your HSA funds are managed and where they are invested
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Best Self-Directed IRA Companies 2025
Leading Firms for Self-Directed IRAs in 2025
Top-Rated Self-Directed IRA Services for Investors
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.
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
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
Open Your Self‑Directed HSA Account in 3 Easy Steps
01
See if You Prequalify
Submit the form at the top of this page and apply online.
02
Fund Your Account
Make a contribution or transfer from another IRA account.
03
Choose Your Investments
Pick from any number of alternative asset investments.
See What Our Clients Have to Say
Before contacting IRA Financial Group, I conducted an extensive market research on Solo 401K providers. From the initial phone call, I was impressed with the professionalism, the wealth of information provided, the caliber of services. I commend the firm for the technically advanced and secured process they have in place for the transfer of documents and payments processing.
I decided to open a Self-Directed IRA because I wanted to invest in real estate projects. Also, having control of my money was a big motivating factor as well. Being able to decide where and when to invest has been very successful for me. All the real estate projects I have selected have been solid investments. I have recommended IRA Financial to friends and family.
I have been a client of IRA Financial for several years and I really love them. I've worked with other companies, and they just were not as easy to work with. I appreciate being able to get somebody on the phone and getting help with taxes. Just everything has been so easy to work with. I have, and do, recommend them to anyone thinking about self-directed investing.
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.
