HealthEquity Reports 2025 Healthcare Affordability Survey: 56% of Gen Z Use HSAs
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Dec 09 2025
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Source: Newsfilter
- HSA Adoption Among Youth: The survey reveals that 56% of Gen Z and 50% of Millennials have HSAs, significantly surpassing Gen X at 35% and Boomers at 24%, indicating a proactive approach to healthcare savings among younger generations.
- Economic Anxiety's Workplace Impact: Despite their engagement with HSAs, 84% of Gen Z report economic concerns, and they are more likely to say financial stress affects their work performance, highlighting the dual pressures of economic conditions on younger workers.
- Healthcare Spending Priorities: Gen Z is most likely to cut back on mental health services (46%) and preventive care (36%) when budgets tighten, while Gen X and Boomers are more likely to maintain their healthcare spending, reflecting differing generational attitudes towards healthcare expenses.
- Financial Preparedness of HSA Holders: HSA holders across all generations demonstrate stronger financial readiness for routine healthcare expenses, with 52% feeling prepared, underscoring the importance of HSAs in enhancing financial security for healthcare costs.
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Analyst Views on HQY
Wall Street analysts forecast HQY stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for HQY is 117.09 USD with a low forecast of 89.00 USD and a high forecast of 129.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
11 Analyst Rating
9 Buy
1 Hold
1 Sell
Moderate Buy
Current: 83.570
Low
89.00
Averages
117.09
High
129.00
Current: 83.570
Low
89.00
Averages
117.09
High
129.00
About HQY
HealthEquity, Inc. is engaged in providing technology-enabled services that enables consumers to make healthcare saving and spending decisions. The Company uses its technology to manage consumer tax-advantaged health savings accounts (HSAs) and other consumer-directed benefits (CDBs) offered by employers, including flexible spending accounts and health reimbursement arrangements (FSAs and HRAs), and to administer Consolidated Omnibus Budget Reconciliation Act (COBRA), commuter and other benefits. It provides consumers with payment processing services, personalized benefit information, the ability to earn wellness incentives, and investment advice. It offers an investment platform and access to an online-only automated investment advisory service to all of its members whose account balances exceed a stated threshold. It administers pre-tax commuter benefit programs through which employers are permitted to provide employees with commuter benefits including qualified transit and parking.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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