There may not be many individuals with health savings accounts who use the investment option such accounts offer, but those who do contribute more, and their balances are larger.
Those are some of the findings from the Employee Benefit Research Institute (EBRI) HSA database, which revealed that in 2014, just 6.4 percent of HSA owners had used the investment option portion of their accounts.
The database also found that individuals contributed $2,636 annually on average to their HSAs when they had investments, but only $1,224 when they did not have investments. Interestingly, accounts with investments also had higher annual distributions for health care claims; they averaged $1,777 from HSAs with investments, and $1,293 from HSAs without investments.
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