Health Savings Accounts Covered 62M Americans in 2025

Posted: Aug 12 2026

Health savings accounts provided coverage for approximately 62 million Americans by the end of 2025, with the largest percentage of account holders in their 30s and early 40s, according to a new report by HSA investment solution provider Devenir and the American Bankers Association’s HSA Council.

HSAs held nearly $174 billion across 41.7 million accounts, according to the report. Individuals aged 30 to 44 held 42% of all HSAs. At the same time, account holders aged 55 and older had accumulated almost $75 billion in their accounts at the end of 2025, with the average balance for the age group $7,178.

Devenir reported that HSAs have wide socioeconomic adoption, with 62% of accounts held by individuals living in communities with a median household income below $100,000.

To view the report, visit: https://www.devenir.com/wp-content/uploads/2025-Devenir-and-HSA-Council-Demographic-Report.pdf