Largest Employers Offering HSA Plans (By State)

Health savings accounts (HSA) are an extremely valuable benefit provided by many employers. These tax-advantaged savings accounts allow you to squirrel away money on a pre-tax basis to help cover eligible out-of-pocket expenses related to your health.

In order to qualify for an HSA, you must first have the right type of health insurance coverage. Meaning, you'll need to have a high-deductible health plan (another benefit many employers offer.).

And perhaps most important of all, if you want access to either of these things, it can be helpful to find an employer offering such benefits as part of their employee compensation package. This guide was designed to address that last question: Which employers across the United States offer HSAs?

We've compiled a state-by-state look at the top employers that may offer HSAs as part of their employee compensation packages, along with tips to help you confirm plan details. Read on for all of this helpful information and more.

Let's unpack how this guide was created first. To develop our state-by-state list of the largest employers that may offer HSA plans, we sourced rankings of the biggest employers in every state published by World Population Review and the business publication The Motley Fool. Both publications provide state employer rankings based on total employee head count. World Population Review provides the biggest private employers in each state as of 2026, while The Motley Fool ranking includes public sector employer data as of 2022. For some states, we also sourced information from rankings published by local news organizations, business journals or career and industry websites like Zippia.

Using the information from all of these sources, we researched which of these large employers offer HSAs by examining their corporate websites and publicly available benefits materials.

The resulting guide that follows is a mix of both public and private employers and can be used as a starting point in your job search. But it's always important to verify benefits directly with any employer.

Truemed is not affiliated with, associated with, endorsed by, or in any way officially connected with the employers listed in this guide.

Before diving into the list of employers offering HSAs, let's spend a moment covering the basics of how HSA accounts work and their many benefits, so you know what to look for when considering the options.

As we mentioned at the start, HSA accounts are only available to individuals who have a high deductible health plan, meaning a plan that requires you to pay more health care costs out of pocket then a traditional plan, before your health insurance will kick-in and start to pay its share. The threshold that you must first pay is often referred to as your annual 'deductible.' For 2026, HDHP have a minimum deductible of $1700 for coverage for yourself and a minimum deductible of $3,400 for family coverage.

In addition to having a HDHP in order to be eligible for an HSA, there are a few other requirements, including:

• Having no other insurance
• Not being enrolled in Medicare
• Not being eligible to be claimed as a dependent on someone else’s tax return. This applies even in cases when the other individual does not claim you as a dependent.

If you've reviewed the checklist above and determined you're eligible for an HSA, that's great news.

Now you can focus on the various types of benefits that an HSA may come with (depending on how the employer in question structures the plan). Here are some of the most common HSA benefits to be on the lookout for:

• Employer seeding: Seeding is a term used to describe when employers contribute funds to your HSA account. This typically involves depositing a set amount of money into your account at the start of the calendar year, but the seeding may also take place when you initially enroll in the account.
• Employer matching: Employer matching involves an employer adding money to your HSA based on how much you've put into the account. For instance, some employers may offer a 50 percent matching benefit. Meaning if you set aside $100 in an HSA annually, your employer will make a $50 matching contribution. Typically, there's a limit set surrounding the total amount an employer will contribute. Meaning, an employer may contribute up to a certain percentage of your salary or up to a certain dollar amount annually..
• HSA payroll contributions: Another important plan feature to look for is the ability to make HSA contributions from your paycheck with pre-tax dollars. This has very valuable benefits. To begin with, making HSA contributions from your pre-tax pay has the effect of reducing your annual taxable income. Meaning, reducing your tax liability for the year. In addition, the ability to make payroll contributions to an HSA makes the entire process effortless, which will help your savings grow faster.

“The strongest HSA programs include meaningful employer contributions, whether through upfront seeding or ongoing matching. Payroll deductions are also essential, as they allow employees to automatically fund HSAs with pre-tax dollars. When employers contribute regularly and make enrollment seamless, participation and long-term savings increase significantly," says Michael Boggiano, managing partner at Wealthcare Financial.

You may be wondering how to confirm whether an employer offers an HSA plan. In most cases, it should be easy to find an answer to this question when researching an employer. That's because employers who offer valuable benefits like an HSA typically want to make that information known to prospective employees.

“In most cases, an HSA plan is a big perk that companies want to show off in their job listings to attract talent," says Boggiano. "But if a job listing doesn’t share its benefits, job seekers can request the company’s benefits summary or Summary of Benefits and Coverage (SBC)."

If an employer has extended a job offer and you're considering accepting the offer, that's an ideal time to ask about benefits. (In cases when the benefits have not already been explained or are not included in a written job offer.)

"Ask for the complete benefits guide before you sign an offer letter. Do not rely on a recruiter giving you a verbal summary. You need to see the summary of benefits and coverage document." says Joel Blackstock, clinical director for Taproot Therapy Collective.

If you've already been hired by a particular employer and are seeking an answer to this question, check in the employer's benefits portal, if there is a portal available. Alternatively, any onboarding materials you may have been provided may have this information.

It's also a good idea to reach out to an employer's human resources department or representative to find out whether the company offers HSA-eligible health plans, meaning health plans that are considered high deductible health plans.

While you're seeking information about an employer's HSA offerings and their health plan options, it's also a good idea to ask some of the following questions:

• Is there a waiting period before employees become eligible for healthcare benefits?
• Are the healthcare benefits available only to full-time employees? Or do part-time employees qualify for healthcare benefits as well? Or are there different levels of benefits for part-time employees?

Other important information to nail down surrounding HSAs include whether there are any fees associated with the account (which can impact or reduce your savings) and are there any investment options associated with the HSA. Many HSAs offer the very valuable benefit of allowing you to invest the money you're saving, which helps it to grow.

Finding out whether the HSA plan offers debit card access is also helpful, as this can make it easier to access and use your HSA funds.

The employers listed state-by-state below may offer HSA plans. But it's important to verify HSA options with the employer directly, as benefits packages and offerings are subject to change. In addition, some benefits may be limited based on eligibility requirements such as number of hours, months or years worked or by job title, status or company division.

• Walmart
• University of Alabama

• Walmart
• Trident Seafoods

• Banner Health
• Walmart
• Amazon

• Walmart
• Tyson Foods Inc
• JB Hunt Transport

• University of California
• Walmart
• Amazon

• University of Colorado
• Walmart

• Yale New Haven Health
• General Dynamic Electric Boat
• The Hartford

• DuPont
• Amazon
• The Bancorp

• Walmart
• The Walt Disney Company
• Bloomin Brands

• Walmart
• Delta Air Lines
• The Home Depot

• Walmart

• Walmart
• Albertson's Companies Inc.
• Micron Technology

• Walmart
• Walgreens
• Boeing

• Walmart
• Indiana University Health
• Eli Lilly and Company

• United Cooperative (United Coop Hampton)
• Unity Point Health

Kansas

• Walmart
• Spirit Aerosystems
• University of Kansas

Kentucky

• Walmart
• University of Kentucky
• Humana

Louisiana

• Walmart
• Acadia Healthcare

• Maine Medical Center
• Walmart
• Hannaford Brothers Company

• Johns Hopkins Medical Institutions

• Randstad North America
• Thermo Fisher Scientific
• Stop & Shop

• General Motors
• University of Michigan
• Ford Motor Company

Minnesota

• Mayo Clinic
• Allina Health System
• UnitedHealth Group

• Walmart
• Sanderson Farms
• Mississippi State University

• Walmart
• BJC Healthcare
• Panera Bread (American Bread Company)

• Walmart
• Billings Clinic
• Town Pump

• University of Nebraska
• Walmart
• Nebraska Medicine

• Cox Holdings Inc.
• Walmart

• Walmart
• University System of New Hampshire
• C&S Wholesale Grocers

• Amazon
• Walmart
• Saint-Gobain

• Walmart
• Presbyterian Healthcare Services
• National Technology & Engineering Solutions of Sandia LLC

• Northwell Health
• Walmart
• Banco Santander

• Walmart
• Duke University
• Bank of America

• Walmart
• Sanford Health

• Walmart
• Sherwin Williams

• Walmart
• Amazon
• University of Oklahoma

• Intel
• Collins
• Perkins & Co.

• Walmart
• University of Pennsylvania
• Aramark

• University of Rhode Island
• Brown University

• Walmart
• Prisma Health
• Schaeffler

• Walmart
• Sanford Health
• Monument Health

• Walmart
• HCA Healthcare
• Bridgestone

• Walmart
• Amazon
• Texas Health

• University of Utah
• Walmart
• Alsco Uniformes

• University of Vermont

• Walmart
• Northrop Grumman
• Spectrum Comm

• Amazon
• Boeing
• Microsoft

• Walmart
• West Virginia University

• Walmart
• University of Wisconsin

• Walmart
• Sheridan College
• Campbell County Health

Now that we've covered the biggest employers in the country offering HSAs, let’s break down what that really means. In most cases, it is the employer that sponsors a high deductible health plan and a third-party custodian, not the employer, holds and manages the HSA.

This is an important distinction, because the custodians who manage HSAs vary. And some are known for offering more competitive HSA account benefits and features than others. This includes offering a wider variety of investment options for instance, fewer account management fees, and easier tools to access your HSA savings (think: Debit card or the ability to simply transfer funds from your HSA to your personal bank account.)

You can find out more about an HSA custodian simply by researching them online. In addition, Morningstar ranks the best HSA custodians on an annual basis. In 2025, Fidelity was ranked the top HSA provider by Morningstar, both for HSA accounts focused on spending and HSA accounts that emphasize investing. The Morningstar ranking criteria considers such features as maintenance fees, additional fees, interest on savings, and quality of investments.

As you're comparing the HSA offerings and options across various employers, it's important to know what the best HSA accounts typically may offer.

The most competitive HSA accounts have minimal fees. That includes fees associated with maintaining your HSA account, as well as fees charged to invest the savings you accumulate in the account. Fees can quickly eat away at the hard earned money you're setting aside in an HSA.

Similarly, the best HSAs will make it easy for you to invest the money you've saved. And ideally, this means you don't have to reach a minimum amount of savings accumulated before you're allowed to start investing. Especially competitive HSAs will also offer a variety of investment options.

Being able to easily access your HSA funds, whether through an account debit card or the ability to simply transfer cash from your HSA to your personal bank account, is another hallmark of the best HSA accounts.

"When people talk about the best HSA providers they mean custodians that do not punish you for keeping your money there," explains Blackstock. "The best ones offer zero monthly fees, seamless investment access into index funds, and a user experience that does not make you want to pull your hair out."

One more note on the best HSA account providers: Best in class offerings will allow you to take your HSA account with you if you ultimately leave the employer at some future date. In other words, the HSA account is transferable and goes with you, wherever you go.

“Ease of transferring funds and consolidating accounts is critical for long-term flexibility and wealth building," says Boggiano.

Once you've landed a job with an employer that offers an HSA or you've enrolled in your existing employer's HSA plan, it's time to think about how to make the most of your savings. Truemed can help you maximize the value of your HSA.

Here's how we do that:

You can browse the Truemed platform to find items or services that may be eligible for HSA spending for qualified customers. If you find an option that you're interested in learning more about, click on the "Shop Now" button to be taken to the brand's own website.

As part of this process, you will be prompted to complete a health intake, which a licensed provider will review to determine whether you're eligible for HSA/FSA spending.

If it's determined that the product or service you're interested in is medically necessary based on your health information, an LMN will be issued (It will be sent to the email address you provided). Be sure to save the LMN for your records.