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  <xs:element id="hqy_IncentivePlanMember" abstract="true" name="IncentivePlanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hqy_PerformanceRestrictedStockUnitsSubjectToMarketConditionsMember" abstract="true" name="PerformanceRestrictedStockUnitsSubjectToMarketConditionsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hqy_PerformanceRestrictedStockUnitsSubjectToCertainFinancialCriteriaMember" abstract="true" name="PerformanceRestrictedStockUnitsSubjectToCertainFinancialCriteriaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hqy_SharebasedCompensationArrangementbySharebasedPaymentAwardExpirationPeriodfromTerminationofEmployment" abstract="false" name="SharebasedCompensationArrangementbySharebasedPaymentAwardExpirationPeriodfromTerminationofEmployment" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="hqy_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodFairValue" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hqy_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimitOutstanding" abstract="false" name="ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimitOutstanding" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="hqy_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimitOutstanding" abstract="false" name="ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimitOutstanding" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="hqy_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimitExercised" abstract="false" name="ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimitExercised" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="hqy_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimitExercised" abstract="false" name="ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimitExercised" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="hqy_RestrictedStockUnitsAndPerformanceRestrictedStockUnitsMember" abstract="true" name="RestrictedStockUnitsAndPerformanceRestrictedStockUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hqy_PassiveCustodialFundsMember" abstract="true" name="PassiveCustodialFundsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hqy_NonPassiveCustodialFundsMember" abstract="true" name="NonPassiveCustodialFundsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hqy_A2024StockRepurchaseProgramMember" abstract="true" name="A2024StockRepurchaseProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hqy_A2025StockRepurchaseProgramMember" abstract="true" name="A2025StockRepurchaseProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hqy_MinimumNetWorthAboveCustodialAssets" abstract="false" name="MinimumNetWorthAboveCustodialAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="hqy_AccumulatedGainLossNetCashFlowHedgeIncomeTaxExpenseBenefitParentMember" abstract="true" name="AccumulatedGainLossNetCashFlowHedgeIncomeTaxExpenseBenefitParentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hqy_TreasuryBondForwardsMember" abstract="true" name="TreasuryBondForwardsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hqy_DerivativeWeightedAverageInterestRatePercent" abstract="false" name="DerivativeWeightedAverageInterestRatePercent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="hqy_A401kMember" abstract="true" name="A401kMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hqy_EmployeeRelatedLiabilitiesCurrentMember" abstract="true" name="EmployeeRelatedLiabilitiesCurrentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hqy_SelfInsuranceMaximumCoveragePerIncident" abstract="false" name="SelfInsuranceMaximumCoveragePerIncident" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hqy_AdrianDillonMember" abstract="true" name="AdrianDillonMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hqy_GayleWellbornMember" abstract="true" name="GayleWellbornMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
