HealthEquity members may need help with an HSA, FSA, HRA, commuter benefit, healthcare debit card, reimbursement claim, contribution, tax form, investment, account login, WageWorks or EZ Receipts account, COBRA payment, or account closure. HealthEquity uses different customer-service numbers and online platforms depending on the type of benefit, so identifying the account involved is the best place to start.
How to Contact HealthEquity Customer Service
- HealthEquity HSA Member Services: 1-866-346-5800
- HSA Member Services Hours: 24 hours a day, 7 days a week
- FSA, HRA, LSA and Commuter Benefits: 1-877-924-3967
- FSA, HRA, LSA and Commuter Support: 24 hours a day, 7 days a week
- COBRA and Direct Bill: 1-877-722-2667
- COBRA and Direct Bill Hours: Monday – Friday, 7 AM – 7 PM CT
- Not Yet a HealthEquity Member: 1-866-735-8195
- Member Services Email: memberservices@healthequity.com
- Member Chat: Sign in to the HealthEquity online or mobile account to chat with Member Services.
- HealthEquity Login: HealthEquity Account Login
- Login Help: HealthEquity Login Help
- Help Center: HealthEquity Member Help Center
- Account Forms: HealthEquity Forms
- Member Services Mailing Address: HealthEquity, P.O. Box 14374, Lexington, KY 40512
- Corporate Headquarters: 15 West Scenic Pointe Drive, Suite 100, Draper, UT 84020
- Official Website: HealthEquity.com
Best HealthEquity Support Route by Issue
- HSA account: Call 1-866-346-5800.
- Lost or stolen HSA card: Report the card through the member portal or HealthEquity mobile app, or call HSA Member Services.
- HSA contribution problem: Review Contribution History, then call HSA Member Services if an employer or personal contribution is missing.
- HSA reimbursement: Request reimbursement through the portal or app using an eligible distribution method.
- HSA tax form: Sign in and open Tax and Statements to download available Form 1099-SA or Form 5498-SA.
- FSA reimbursement: Use the HealthEquity or EZ Receipts account assigned to the benefit and submit the claim with required documentation.
- FSA claim denied: Review the denial reason, submit missing documentation when appropriate, or use the reimbursement-account appeal process.
- HRA claim: Submit the claim and supporting documentation according to the employer’s HRA plan rules.
- Old WageWorks account: Look for EZ Receipts (formerly WageWorks) on HealthEquity’s login page.
- Account login problem: Use HealthEquity Login Help and passkey support or call the customer-service number for the applicable benefit.
- COBRA payment or election: Use the separate COBRA/Direct Bill portal or call 1-877-722-2667.
- Close an HSA: Liquidate investments first, stop payroll contributions, and submit the HSA Closure Request through the account Support section.
HealthEquity HSA Customer Service
For Health Savings Account assistance, call:
HealthEquity currently provides HSA Member Services 24 hours a day, seven days a week.
HSA members commonly contact support about:
- Account balances
- Contributions
- Employer deposits
- Transfers and rollovers
- Reimbursements
- HealthEquity cards
- Tax forms
- Qualified medical expenses
- Beneficiaries
- Investments
- Account fees
- Closing or transferring an HSA
HealthEquity is an IRS-authorized non-bank trustee that acts as custodian for HealthEquity HSAs.
An HSA belongs to the account holder. Changing employers or health plans does not automatically eliminate an existing HSA balance.
2026 HealthEquity HSA Contribution Limits
Federal HSA contribution limits for 2026 are:
- Individual coverage: $4,400
- Family coverage: $8,750
- Age 55 or older catch-up contribution: An additional $1,000
Contribution limits apply to the total eligible HSA contributions from all sources, including:
- Employee payroll contributions
- Employer contributions
- Personal after-tax contributions
- Other qualifying contributions
Transfers from one HSA custodian directly to another generally do not count toward the annual HSA contribution limit.
HSA eligibility and contribution rules are governed by federal tax law. HealthEquity does not provide tax or legal advice.
Missing HealthEquity HSA Contribution
If an expected employer contribution or payroll deduction does not appear:
- Review the Contribution History in HealthEquity.
- Compare the amount with the payroll statement.
- Confirm the employer actually transmitted the contribution.
- Check which tax year the contribution was assigned to.
- Contact the employer’s payroll or benefits department when appropriate.
- Call HealthEquity at 1-866-346-5800 if the employer confirms the money was sent.
Keep payroll records and contribution confirmations until the account balance and annual tax reporting are correct.
Transfer an HSA to HealthEquity
HealthEquity allows members to transfer an existing HSA from another custodian.
A trustee-to-trustee transfer can take eight weeks or longer, depending partly on how quickly the previous HSA custodian processes the request.
Once HealthEquity receives and processes transferred funds, it currently states that they are generally available within two business days.
A direct HSA transfer:
- Does not count toward the annual HSA contribution limit.
- Does not have the once-per-year restriction that applies to certain HSA rollovers.
- Can be completed more than once per year.
An HSA rollover is different. With a rollover, the money is distributed to the account holder, who generally has 60 days to place it into another HSA to avoid possible tax consequences.
HealthEquity HSA Debit Card Help
HealthEquity provides eligible members with a Visa Health Account Card for qualified healthcare purchases.
Members can use the HealthEquity portal or mobile app to:
- Activate an eligible card
- View card status
- Request a replacement card
- Report a lost or stolen card
- Review account transactions
For HSA card support, call:
1-866-346-5800
The HealthEquity Visa card is currently issued by The Bancorp Bank, N.A., Member FDIC, pursuant to a license from Visa.
Lost or Stolen HealthEquity Card
If the HealthEquity card is lost or stolen:
- Sign in to the HealthEquity portal or mobile app.
- Report the card as lost or stolen.
- Request a replacement.
- Review recent transactions.
- Call Member Services promptly if a transaction was not authorized.
Reporting a lost card through the portal or app deactivates it so a replacement can be requested.
HealthEquity HSA Reimbursements
HSA members can pay eligible expenses directly with the HealthEquity card or pay personally and reimburse themselves from the HSA.
Reimbursement can generally be requested:
- Online
- Through the HealthEquity app
- Through eligible electronic funds transfer
- By reimbursement check
For a paper HSA reimbursement request, HealthEquity’s current form states that mailed checks should generally be allowed approximately 7 to 10 business days and that a $2 check fee applies.
Electronic reimbursement is generally faster and avoids the paper-check fee.
Keep receipts and other records supporting HSA distributions in case they are needed for tax purposes.
HealthEquity FSA Customer Service
For Flexible Spending Account support, call:
FSA benefits are employer-sponsored, so deadlines, eligible expenses, carryovers, grace periods, claim-submission deadlines, and debit-card rules can differ from one employer’s plan to another.
Members should check their:
- Plan documents
- Benefit enrollment materials
- HealthEquity account
- Employer benefits department
before assuming a general FSA deadline applies.
Submit a HealthEquity FSA or HRA Claim
For an account managed on the HealthEquity platform:
- Sign in.
- Select Reimburse Me.
- Enter the claim information.
- Upload the receipt or required documentation.
- Submit the claim.
HealthEquity currently requires reimbursement documentation to show:
- Patient’s name
- Provider’s name
- Date of service
- Type of service or item
- Cost
Certain expenses may also require a Letter of Medical Necessity.
Why Was My HealthEquity Claim Denied?
Many FSA and HRA claim problems involve incomplete documentation.
If a claim is denied:
- Open View Claims & Payments.
- Select the denied claim.
- Read the specific denial reason.
- Compare the documentation with HealthEquity’s requirements.
- Submit missing information when the claim can be corrected.
HealthEquity also provides a Reimbursement Account Claims Appeal form for eligible FSA and HRA claim disputes.
Do not submit the same claim repeatedly without first reviewing why it was denied.
HealthEquity HRA Help
A Health Reimbursement Arrangement is generally funded by an employer.
The employer’s plan controls:
- Which expenses are eligible
- Who can participate
- How much money is available
- When reimbursement can be requested
- What documentation is necessary
- Whether unused funds continue into another period
HealthEquity administers the account according to the employer’s plan.
If a HealthEquity representative says that an expense is excluded by the plan, the member may also need to contact the employer’s benefits administrator for clarification.
WageWorks Is Now Part of HealthEquity
Members searching for a WageWorks login should now look for EZ Receipts (formerly WageWorks).
HealthEquity currently maintains separate account experiences for:
- HealthEquity
- EZ Receipts, formerly WageWorks
- COBRA/Direct Bill
These platforms can require separate usernames and registration.
If you previously used a WageWorks login:
- Go to the HealthEquity login page.
- Select EZ Receipts (formerly WageWorks).
- Use the registration or account-recovery process for that platform.
Do not assume your HealthEquity HSA username and password will work for an EZ Receipts account.
HealthEquity Login and Passkey Help
HealthEquity has transitioned members using its HealthEquity web and mobile experience to passkey authentication.
A passkey can use:
- Face ID
- Fingerprint authentication
- Device PIN
HealthEquity states that passkey login is required for direct HealthEquity web and mobile access for applicable HSA and reimbursement-account members.
If login fails:
- Use the correct HealthEquity or EZ Receipts login.
- Confirm that the registered phone number is current.
- Review HealthEquity’s Passkey Help Center.
- Use Forgot Password when the account still uses a password-based route.
- Contact Member Services when identity or account recovery cannot be completed.
HealthEquity HSA Tax Forms
HealthEquity provides HSA tax documents through the member portal.
Common forms include:
Form 1099-SA
Form 1099-SA reports distributions taken from the HSA during the tax year.
A member who did not take an HSA distribution generally will not receive a 1099-SA for that year.
Form 5498-SA
Form 5498-SA reports contributions made to the HSA.
This form is generally kept for the account holder’s records and is not ordinarily filed with the individual federal tax return.
Form 8889
Form 8889 is an IRS form used by the taxpayer to report HSA contributions and distributions.
HealthEquity does not prepare Form 8889 for the member.
To locate HealthEquity HSA tax forms:
- Sign in.
- Open Tax and Statements.
- Select the applicable tax year.
- Download the available form.
HealthEquity does not provide individual tax advice. Contact a qualified tax professional for questions about how distributions, contributions, excess contributions, or rollovers should be reported.
HealthEquity HSA Fees
HealthEquity HSA fees can vary by employer and health plan.
A monthly administration fee may apply.
HealthEquity instructs members to check:
- The original welcome materials
- The current account statement
- The fee information in the member account
HealthEquity also states that the administration fee may change after the member leaves an employer or changes health plans.
Do not assume the fee arrangement provided while actively employed will continue after employment ends.
How to Close a HealthEquity HSA
HealthEquity currently allows HSA account holders to request closure through the online Support section.
Before closing:
- Stop future employer payroll contributions.
- Update the mailing address if necessary.
- Resolve outstanding card transactions.
- Liquidate all HSA investments.
- Open Support.
- Submit the HSA Closure Request form.
HealthEquity states that:
- Closure requests can take up to approximately three weeks to process.
- A five-business-day blackout period is used to allow outstanding transactions to settle.
- A $25 account closure fee is currently deducted from the remaining balance.
- Electronic transfer generally takes approximately 2 to 3 business days after the blackout period.
- A mailed check generally takes approximately 7 to 10 business days after the blackout period.
The account holder may have 60 days to place distributed funds into another HSA when completing a qualifying rollover.
Review the tax consequences before requesting an HSA closure.
HealthEquity COBRA Customer Service
HealthEquity administers COBRA continuation benefits for participating employers.
For general COBRA and Direct Bill support, call:
HealthEquity currently lists this number Monday through Friday from 7 AM to 7 PM Central Time.
COBRA participants can use the separate COBRA/Direct Bill portal to:
- Elect eligible coverage
- Review plan information
- Check payment deadlines
- Make premium payments
- Review communications
COBRA uses a separate online account. Existing HealthEquity HSA credentials do not automatically provide access to the COBRA portal.
HealthEquity Direct Bill Support
Some HealthEquity Direct Bill accounts are also directed to:
HealthEquity’s Direct Bill support information lists this team Monday through Friday from 8 AM to 8 PM Eastern Time.
Use the telephone number printed on your election notice or account communication when it differs from the general HealthEquity contact page.
HealthEquity COBRA Payments
COBRA participants should pay close attention to the due date shown on their election notice and online account.
After the initial COBRA payment period, monthly premiums are generally due at the beginning of each monthly coverage period with the applicable grace period required by the plan and federal rules.
Do not assume a late payment will be accepted after the final deadline.
If a payment deadline is approaching:
- Check the COBRA portal.
- Confirm the amount due.
- Confirm the deadline.
- Keep the payment confirmation.
- Contact HealthEquity promptly if the account does not reflect a payment.
HealthEquity’s current COBRA/Direct Bill mailing address for applicable election forms and payments is:
HealthEquity
P.O. Box 14390
Lexington, KY 40512
Follow the address and instructions printed on your own COBRA notice when they differ.
Cancel HealthEquity COBRA Coverage
COBRA coverage is generally maintained month to month.
HealthEquity states that participants can request cancellation through the online message center or by submitting a written request.
Coverage can also terminate for nonpayment when the premium is not paid by the applicable deadline.
A voluntary cancellation generally cannot simply be reversed later.
Before canceling COBRA because you obtained another health plan, verify the effective date of the new coverage so you do not unintentionally create a gap.
HealthEquity Commuter Benefits
For commuter-benefit support, call:
Commuter benefits can help eligible employees pay qualifying transportation or parking expenses using employer-sponsored benefit arrangements.
Plan features can include:
- Transit benefits
- Qualified parking
- Commuter cards
- Reimbursement
Employer plan rules determine available options.
Members who previously used WageWorks for commuter benefits may need the EZ Receipts platform.
Information to Have Before Contacting HealthEquity
- Name on the account
- HealthEquity member ID when available
- Employer or benefits plan
- Type of account: HSA, FSA, HRA, commuter, COBRA, or other benefit
- Transaction or contribution date and amount
- Claim date and requested reimbursement amount
- Provider information
- Last four digits of the HealthEquity card when relevant
- Tax year for a tax-form question
- COBRA election or payment deadline
- Previous support case information
- The specific resolution requested
Do not publish Social Security numbers, full HealthEquity account or card numbers, health records, medical diagnoses, receipts containing private information, tax documents, passwords, passkeys, one-time codes, bank information, or COBRA participant IDs in a public review.
How to Escalate an Unresolved HealthEquity Complaint
- Use the correct HealthEquity team. Call HSA Member Services at 1-866-346-5800, reimbursement-account support at 1-877-924-3967, or COBRA support at 1-877-722-2667.
- Identify the account and platform. Explain whether the problem involves HealthEquity, EZ Receipts, or COBRA/Direct Bill.
- Document the issue. Keep statements, claim records, receipts, tax forms, contribution history, payment confirmations, screenshots, and prior correspondence.
- State the requested resolution. Ask specifically for a claim review, contribution investigation, transaction correction, reimbursement, card replacement, tax-form correction, account transfer, or COBRA payment review.
- Use the formal appeal process when available. FSA and HRA claims can have a formal reimbursement-account appeal route.
- Contact the employer benefits administrator when the dispute involves plan terms. HealthEquity administers many benefits according to rules established by the employer’s plan.
- Consider an outside government resource when appropriate. Employer benefit rights may fall under the U.S. Department of Labor’s Employee Benefits Security Administration, while qualifying financial-product complaints may be submitted to the Consumer Financial Protection Bureau.
U.S. Department of Labor Employee Benefits Help
For qualifying employer-sponsored health or retirement benefit concerns, the U.S. Department of Labor Employee Benefits Security Administration provides Benefits Advisors.
EBSA Benefits Advisor: 1-866-444-3272
EBSA can assist workers and families with questions about rights under employer benefit plans, including qualifying continuation-coverage and employee-benefit issues.
Consumer Financial Protection Bureau
For an eligible consumer financial-product complaint, visit the CFPB Consumer Complaint Portal.
The CFPB accepts complaints concerning several types of consumer financial products and can route a complaint to another agency when that agency is better suited to handle it.
HealthEquity Customer Service Reviews and Complaints
Members can use the review section below to describe their experience with HealthEquity HSAs, FSAs, HRAs, debit cards, reimbursements, claims, tax forms, contributions, WageWorks/EZ Receipts, commuter benefits, COBRA, or account closure.
A useful HealthEquity review should explain:
- The type of account involved
- The approximate date
- Whether HealthEquity, EZ Receipts, or COBRA/Direct Bill was involved
- The customer-service number or support route used
- Whether a claim, appeal, or case was opened
- What resolution was requested
- What HealthEquity said it would do
- Whether the problem was ultimately resolved
Do not publish member IDs, Social Security numbers, complete card numbers, bank details, medical records, diagnoses, tax forms, passwords, passkeys, verification codes, or private customer-service correspondence.
HealthEquity Frequently Asked Questions
What is the HealthEquity customer service phone number?
For an HSA, call HealthEquity Member Services at 1-866-346-5800. For an FSA, HRA, LSA, or commuter account, call 1-877-924-3967.
Is HealthEquity customer service open 24 hours?
HealthEquity’s current main contact page lists HSA and FSA/HRA/LSA/commuter member support as available 24 hours a day, seven days a week. COBRA support has separate hours.
What is the HealthEquity COBRA number?
Call HealthEquity COBRA and Direct Bill support at 1-877-722-2667.
What happened to WageWorks?
WageWorks became part of HealthEquity. Members who previously used WageWorks should now select EZ Receipts (formerly WageWorks) from HealthEquity’s login options.
Can I use the same login for HealthEquity and WageWorks/EZ Receipts?
Not necessarily. HealthEquity and EZ Receipts remain separate platforms and can require separate registration and login information.
Why is HealthEquity asking me to create a passkey?
HealthEquity has moved applicable direct web and mobile accounts to passkey authentication. A passkey can use the phone or computer’s fingerprint, facial recognition, or device PIN.
How do I report a lost HealthEquity HSA card?
Sign in through the HealthEquity portal or app and report the card lost or stolen, or call 1-866-346-5800.
How do I submit an FSA claim to HealthEquity?
Sign in to the appropriate HealthEquity or EZ Receipts account, choose the reimbursement or claim option, enter the expense details, and upload the required receipt or supporting documentation.
What needs to be on a HealthEquity FSA receipt?
For accounts using HealthEquity’s current claim process, documentation generally needs the patient’s name, provider, service date, type of service or item, and cost.
Why did HealthEquity deny my FSA claim?
Open the denied claim and review the specific reason. Missing or incomplete receipt information is a common problem. An appeal process is available for qualifying reimbursement-account claims.
What are the HSA contribution limits for 2026?
The 2026 federal HSA contribution limits are $4,400 for individual coverage and $8,750 for family coverage, with an additional $1,000 catch-up contribution for eligible people age 55 and older.
Where do I find my HealthEquity 1099-SA?
Sign in and open Tax and Statements. A 1099-SA is generally issued when HSA distributions occurred during the applicable tax year.
What is Form 5498-SA?
Form 5498-SA reports HSA contributions. It is generally an informational form kept for the account holder’s records rather than filed with the tax return.
How long does a HealthEquity HSA transfer take?
A trustee-to-trustee transfer into HealthEquity can take eight weeks or longer depending on the previous custodian.
How do I close my HealthEquity HSA?
Stop payroll contributions, liquidate HSA investments, and submit the HSA Closure Request through the Support section of the member account.
Does HealthEquity charge an HSA closure fee?
HealthEquity’s current account-management guidance lists a $25 HSA closure fee.
How long does HealthEquity take to close an HSA?
HealthEquity currently states that the closure form can take up to approximately three weeks to process, followed by a five-business-day blackout period and the applicable payment-delivery time.
Is HealthEquity a bank?
No. HealthEquity identifies itself as an IRS-authorized non-bank trustee that acts as custodian for HSAs and as a third-party administrator for other tax-advantaged health benefits.
Where is HealthEquity headquartered?
HealthEquity’s principal executive office is at 15 West Scenic Pointe Drive, Suite 100, Draper, Utah 84020.
Related Health and Financial Customer Service Pages
Related Consumer Resources
- Identify an Unknown HealthEquity, HSA, FSA, Benefits, or Healthcare Charge
- U.S. Department of Labor Employee Benefits Security Administration
- Consumer Financial Protection Bureau Complaint Portal
Page Update Note
HealthEquity customer-service information reviewed and updated on August 19, 2026. This page was updated to verify current HSA, FSA, HRA, LSA, commuter, COBRA and Direct Bill customer-service routes; HealthEquity and EZ Receipts login information; passkey access; HSA contributions, cards, reimbursements and tax forms; FSA/HRA claims; WageWorks routing; HSA transfer and closure procedures; COBRA support; and benefit complaint resources.
Why Trust CustomerServiceNumbers.com?
CustomerServiceNumbers.com has helped consumers locate customer-service information and share customer-service experiences since 2004. We independently organize official support routes, benefit-account information, claim and reimbursement guidance, tax-form resources, common account problems, and practical escalation steps.
This page is intended to help members determine whether to contact HealthEquity HSA Member Services, reimbursement-account support, EZ Receipts, COBRA/Direct Bill support, an employer benefits administrator, or another appropriate resource.
Share Your HealthEquity Customer Service Experience
If you contacted HealthEquity about an HSA, FSA, HRA, healthcare card, reimbursement, denied claim, contribution, tax form, WageWorks/EZ Receipts account, commuter benefit, COBRA payment, HSA transfer, or account closure, share the type of account involved, support route used, what happened, the response you received, and whether the problem was resolved.
Privacy warning: Do not publish Social Security numbers, member IDs, complete HealthEquity card or account numbers, bank information, medical diagnoses, health records, receipts containing private information, tax documents, passwords, passkeys, verification codes, or COBRA participant information in a public review.
Customer Service Information Disclaimer
CustomerServiceNumbers.com is an independent consumer information and review website and is not affiliated with HealthEquity, Inc., WageWorks, EZ Receipts, The Bancorp Bank, any employer, health plan, insurance company, healthcare provider, the IRS, U.S. Department of Labor, Employee Benefits Security Administration, or Consumer Financial Protection Bureau. CustomerServiceNumbers.com cannot access HealthEquity accounts, approve or deny claims, issue reimbursements, correct tax forms, replace cards, change employer benefit rules, process HSA transfers, close accounts, accept COBRA elections or payments, or respond on behalf of HealthEquity. Customer-service numbers, hours, plan terms, fees, tax limits, claim rules, COBRA procedures, and account features can change. Verify account-specific information through HealthEquity, the employer’s plan documents, benefits administrator, or applicable government agency.