How to Integrate with My HSA: A Better Way Forward

Integrating with third-party portals like My HSA is one of those tasks that always sounds simpler than it is. Whether you’re building a reimbursement feature, syncing benefit balances, or streamlining employer contributions, the process of connecting to a web portal without a public API often turns into a long, brittle, and manual effort.

In this post, we’ll walk through two common paths teams take: building a manual integration from scratch and using Deck to launch a read and write experience in a fraction of the time, with none of the maintenance headaches.

The Manual Route: Costly, Slow, and Fragile

Most engineering teams start by attempting a manual integration. The approach typically involves writing a headless browser script that logs into My HSA, navigates through the site, and scrapes the necessary data from the page. Sometimes it works, at least temporarily.

But the reality is, this path comes with heavy baggage. Every page update, login flow change, or added CAPTCHA breaks your automation. Now you’re maintaining custom scripts, reacting to portal changes, and managing retries, failures, and user frustration.

On the write side, things are even trickier. Submitting a reimbursement or updating an autopay method often requires simulating complex multi-step flows. This might include uploading documents, validating fields, and clicking through confirmation pages. Without a proper API, these actions become deeply reliant on UI structure, which is prone to change. And when they break, support teams are left holding the bag.

Security is another concern. Storing credentials, parsing HTML, and handling multi-factor authentication all introduce risk, especially when user sessions are not explicitly permissioned or audit-logged.

In short, building a manual integration to My HSA is like building a house on sand. You might get it working, but it’s only a matter of time before it shifts beneath you.

The Deck Approach: One API, All the Power

Now let’s talk about a different approach. One that’s faster to launch, built to scale, and designed for long-term reliability. With Deck, you don’t need a private API to automate My HSA. Our platform turns any web portal into a read and write interface with full user consent and enterprise-grade security controls.

Here’s how it works. Your product embeds Deck Link, our front-end widget, to walk users through login and authentication. Once connected, you use our API to submit a job such as FetchBalance or MakePayment. Deck’s AI-powered agent logs into My HSA on the user’s behalf, reads the DOM just like a real user would, and completes the task. When the job is done, a webhook fires back to your app with the results.

What sets Deck apart is how it blends speed with resilience. If a site changes its layout or flow, the agent re-learns the path, regenerates a fresh script, and keeps running. No human intervention is needed. Most traffic runs on hardened scripts that are fast and efficient. When something breaks, Deck's self-healing fallback kicks in automatically.

This means no more late-night patching or emergency hotfixes. You get full coverage of My HSA and more than 100,000 other portals without the burden of custom maintenance. And because every session runs with explicit user consent under SOC 2 Type II controls, you can meet strict security and compliance requirements from day one.

Time to Value: From Weeks to Days

Let’s say your product needs to pull a user’s monthly benefit balance and update their reimbursement method. Manually, that’s four to six weeks of work, from discovery to testing to production. And once live, you’ll need to dedicate ongoing engineering time to maintain the integration.

With Deck, you can go live in under a week. You embed the Link widget, configure the job, and call the API. That’s it. There’s no reverse engineering, no brittle scripting, and no portal-specific logic. Just a unified read and write interface that works across all the systems your users touch.

Why This Matters

In today’s fast-moving product cycles, teams don’t have the time or resources to build one-off portal integrations that break the moment something changes. That’s why platforms in payroll, benefits, expense management, and fintech are turning to Deck.

We make it easy to access and update data on portals like My HSA, so your team can focus on building features your users actually see. No more chasing HTML tags or debugging broken flows.

Want to see how it works?

Book a demo and we’ll show you how Deck can power real-time data access and automation on My HSA. We’ll also show how it scales to every other portal your users rely on.

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