Support & FAQ

SOUND HSA is more than your average financial product. We merge the triple-tax advantages of a traditional HSA with the transformative power of bitcoin. Plus, we align incentives: our app allows you to complete health and wellness challenges to earn bitcoin rewards.

An HSA is the only investment vehicle in America that offers three distinct tax breaks, and we've paired it with the hardest money on earth.

1. Tax-Deductible Contributions: You lower your taxable income today when you fund your account
2. Tax-Free Growth: This is the game-changer. As your bitcoin appreciates, you pay zero capital gains taxes on that growth within the account
3. Tax-Free Withdrawals: When you use your funds for qualified medical expenses, the money comes out tax-free. The result? You keep 100% of your purchasing power for your health, completely opting out of the tax drag that eats away at traditional investments

Absolutely. If you have an existing health savings account, you can easily roll over to SOUND HSA. We've made the process seamless and mobile-first. Stop letting traditional investments fail to deliver true ownership of your money. Bring your savings to a platform where you can become future-proof.

We believe that to build better, sound healthcare, we need better, sound money. However, you are in full control. SOUND HSA gives you transparency over your money and how you invest it. We offer a premier bitcoin-native experience that unlocks tax-free health investing, but we also provide the education you need to make sovereign decisions.

Most people treat an HSA like a checking account—money in, money out. We believe there is a better way. To truly maximize your sovereignty and financial returns, we recommend the “Save, Stack, and Hodl strategy, low-time preference.

1. Treat it like a Retirement Account (The “Hodl” Strategy)

Instead of using your HSA funds for everyday doctor visits, pay for those out-of-pocket if you can. Why? Because every dollar (or sat) you pull out today is a dollar that can't grow tax-free for the next 20 years. By leaving your funds invested in Bitcoin, you leverage the power of tax-free compounding to future-proof your health.

2. Maximize Your Contributions

To get the most out of the system, aim to contribute the legal maximum every year. This lowers your taxable income today (saving you fiat dollars) while building a hard-money nest egg for tomorrow. It's the ultimate tax hack for the sovereign individual.

3. Stack Sats by Moving

Don't just let your account sit there—engage with it. Use the SOUND HSA app to participate in “Move to Earn” challenges. Whether it's hitting step goals or completing wellness quizzes, you can earn extra bitcoin rewards just for taking care of yourself. This aligns your physical health with your financial wealth.

4. The “Shoebox” Method (Advanced Optimization)

Did you know there is no time limit on reimbursing yourself from an HSA?

• Step A: Pay for a medical expense today with your personal cash
• Step B: Save the receipt (digitally) by uploading your receipt in SOUND HSA
• Step C: Let your bitcoin grow in your SOUND HSA for years
• Step D: Years later, when you want to take a tax-free distribution, use that old receipt to withdraw the funds. You've just let your money grow tax-free for a decade

5. Spend Only When Necessary

Of course, life happens. If you need the funds for medical expenses, they are always there for you—accessible, transparent, and under your full control. But the goal is to shift from reactive spending to proactive wealth building.

The difference is ownership.

• The FSA Trap (Flexible Spending Account): FSAs are often “use-it-or-lose-it.” If you don't spend your funds by the end of the year, that money is often forfeited back to your employer. It's a broken system where bureaucracy eats your hard-earned money
• The SOUND HSA Advantage: Your HSA is your property. The funds never expire, they roll over year after year, and they are portable—meaning they stay with you even if you change jobs. At SOUND HSA, we believe you should maintain “true ownership” of your money, allowing it to compound and grow until you need it

While both are powerful savings tools, the HSA is the only one that offers the Triple-Tax Advantage.

• 401(k): You get a tax break when you put money in, but the IRS taxes you when you take the money out in retirement
• SOUND HSA: You get a tax break when you put money in, and you pay zero taxes when you withdraw funds for qualified medical expenses
• The Sovereign Strategy: Many financial optimizers max out their HSA before their 401(k) because it offers more flexibility. You can use it tax-free for health expenses at any age, or treat it like a retirement account after age 65. We help you “future-proof” your wealth by holding assets that actually beat inflation

Absolutely. In fact, they work best together. Your 401(k) builds your general nest egg, while your SOUND HSA secures your health sovereignty. By combining them, you ensure that future medical costs don't drain your retirement savings.

No. Traditional 401(k)s and FSAs are passive financial products. SOUND HSA is different. We align your financial interests with your physical health. Through our “move-to-earn” challenges, we pay you bitcoin rewards just for staying active. Your 401(k) doesn't care if you walk 10,000 steps today—we do.

Your SOUND HSA gives you the freedom to pay for a vast array of health needs tax-free. While we empower you to become “future-proof” by holding Bitcoin, we also ensure you have seamless access to funds when you need them.

1. Qualified Medical Expenses (The Essentials)

You can use your funds tax-free for thousands of standard medical costs approved by the IRS. This includes:

• Medical Care: Doctor visits, surgery, and hospital stays
• Dental & Vision: Checkups, glasses, contacts, and dental work
• Prescriptions: Prescribed medicines and insulin
• Everyday Health: Over-the-counter essentials like sunscreen, first aid supplies, and feminine hygiene products

2. Wellness & Proactive Health

We believe that true health sovereignty is about being proactive, not just reactive. SOUND HSA is “wellness oriented,” designed to expand your power to spend on what keeps you healthy, not just what fixes you when you are sick. Depending on a Letter of Medical Necessity (LMN), your funds can often be unlocked for:

• Supplements and nutritional needs
• Fitness equipment and gym memberships (if prescribed for a condition)
• Alternative therapies (acupuncture, chiropractic, biological dentistry and MORE)
• We empower you to make the best sovereign health decisions for your body

3. The Strategic Choice: Spending vs. Stacking

While you can spend your funds today, remember that SOUND HSA is built to help you “future-proof” your life. Every satoshi you spend today is one that cannot grow tax-free for your future. We recommend paying for smaller expenses out-of-pocket to let your Bitcoin stack grow, ensuring you have “sound money” for major healthcare needs down the road.

To open an account, you must meet standard government criteria:

• You are a U.S. citizen with a Social Security Number
• You are covered by a High Deductible Health Plan (HDHP). High deductible plan for self must have a deductible of at least $1700.00 and for family plan at least $3400.00
• You are not covered by other health insurance (like a spouse's non-HDHP plan) or enrolled in Medicare
• You cannot be claimed as a dependent on someone else's tax return

You will need a photo of your Driver's License or State ID (front and back) for identity verification.

Register on the SOUND HSA website and fill out the onboarding application (approx. 5 minutes). Once approved, you can fund your account immediately via bank transfer or rollover.

The application is fast, but banking timelines vary:

• New Contributions: Transfers from your bank typically settle in 7–14 business days
• Rollovers: Transferring from an existing HSA (trustee-to-trustee) depends on your old provider's speed and may require additional compliance steps

Healthy habits should pay off—literally. Through our mobile app, you can participate in “move to earn” challenges. Whether it's hitting step goals or completing learning quizzes, you stack bitcoin recompenses just for taking care of yourself.

Not at all. We are tech-driven, but we believe in simplifying. Our mobile-first app gives you a seamless, easy-to-use experience. We combine world-class user experience with freedom tech to give you ownership without the headache.

Sovereign Security. Institutional Grade.

Your health and wealth deserve the highest level of protection. SOUND HSA utilizes a multi-layered custody architecture, combining the tax advantages of traditional finance with the unbreakable security of the Bitcoin network. By combining regulated trust companies with military-grade encryption and offline storage, we ensure that your path to health sovereignty is as secure as it is innovative.

We use a three-part security structure to ensure checks and balances:

1. SOUND HSA | The Interface

We provide the secure gateway to your sovereign health journey. Our platform facilitates a seamless, world-class user experience, allowing you to manage your health savings, track wellness rewards, and oversee your Bitcoin holdings through a single, intuitive dashboard.

2. Horizon Trust Company | The HSA Administrator

Horizon Trust serves as our IRS-designated trustee and Qualified Custodian. As a regulated trust company based in New Mexico, they act as the passive custodian of your self-directed Health Savings Account—holding your U.S. Dollars and ensuring your account maintains its “triple tax-advantaged” status with the highest level of regulatory compliance.

3. Digital Trust | The Bitcoin Custodian

To secure your digital assets, we partner with the same infrastructure trusted by the world's leading Bitcoin financial products.

• Regulated Oversight: A Nevada-based trust company providing institutional-grade buy/sell execution
• Cold Storage: 100% of your Bitcoin assets are held in offline “cold” storage, shielding them from online threats
• Military-Grade Multi-Sig: Powered by BitGo, our security protocol utilizes multi-signature, multi-key technology, ensuring there is no single point of failure
• Proven Track Record: Our partners power the long-standing Bitcoin IRA, bringing years of experience in securing life-changing retirement and health savings

We merge the disruptive potential of Bitcoin with the “triple-tax advantage” of a traditional Health Savings Account. This creates a powerful vehicle for sovereignty that allows you to:

1. Eliminate Capital Gains Taxes (Tax-Free Growth)

In a standard crypto exchange account, every time your Bitcoin goes up in value and you sell or swap it, you trigger a taxable event (Capital Gains). Inside SOUND HSA, your Bitcoin grows 100% tax-free. You capture the full upside of the asset without the IRS taking a cut of your growth. This is how you “maximize long-term HSA yielding”.

2. Lower Your Taxable Income Today (Tax-Deductible)

Contributions to your SOUND HSA are 100% tax-deductible for this year's tax return. You are essentially converting depreciating fiat currency—which would otherwise be taxed—into sound money.

3. Spend Tax-Free on Wellness

When you need to pay for qualified medical expenses, you can liquidate your Bitcoin and withdraw the funds tax-free. This allows you to pay for healthcare using the appreciation of your assets rather than your labor.

4. Future-Proof Your Savings

Fiat healthcare costs are skyrocketing while the dollar loses value. By utilizing Bitcoin's “sound money” properties within a tax-advantaged shell, you protect your purchasing power for future health needs, ensuring your savings actually outpace medical inflation

The total initial cost is $350, which includes:

• $50 one-time activation fee
• $300 annual account administration fee
• Note: These fees do not reduce your annual contribution limit

Yes. You receive a 10% discount on fees if you pay in bitcoin.

There is a flat 1% fee for trading bitcoin within the platform.

Yes, there is a one-time termination fee of $250.