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That's weird, I can login to my HealthEquity account (which contains HSA) without any issues and I don't have passkey setup. I confirmed it just now just in case.

That article does say "HealthEquity Mobile and web experience" so maybe it's just for customers who use both, I only use web.

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I’ve only used web and they forced me to enroll one.
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side note, HSAs are also a symptom of a failed Healthcare system
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You aren't wrong, but many of us are stuck in that failed healthcare system and making the best of it.
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