Savers using Health Savings Accounts (HSAs) are primarily using the funds for current expenses, and not investing, according to new research. The study found that only 9% of accounts were investing in 2020, up from 2% in 2011. Just 4% of accounts that were open for one year had investments, compared with 13% of accounts established for 10 years. Some accounts require a $1,000 account minimum to invest. The report also noted that many account owners may not realize they can invest the funds.