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  <xsd:element id="hqy_RevenueRecognitionContractTerm" name="RevenueRecognitionContractTerm" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hqy_SalesandMarketingMember" name="SalesandMarketingMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hqy_ScheduleofUnrecognizedTaxBenefitsNettedAgainstDeferredTaxAssetsTableTextBlock" name="ScheduleofUnrecognizedTaxBenefitsNettedAgainstDeferredTaxAssetsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="hqy_SelfInsuranceMaximumCoveragePerIncident" name="SelfInsuranceMaximumCoveragePerIncident" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hqy_SeriesAConvertiblePreferredStockExercisableThroughNovemberTwentyFifteenMember" name="SeriesAConvertiblePreferredStockExercisableThroughNovemberTwentyFifteenMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hqy_SeriesAConvertiblePreferredStockMember" name="SeriesAConvertiblePreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hqy_SeriesBConvertiblePreferredStockExercisableThroughFebruaryTwentyFourteenMember" name="SeriesBConvertiblePreferredStockExercisableThroughFebruaryTwentyFourteenMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hqy_SeriesBConvertiblePreferredStockExercisableThroughSeptemberTwentyFifteenMember" name="SeriesBConvertiblePreferredStockExercisableThroughSeptemberTwentyFifteenMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hqy_SeriesBConvertiblePreferredStockMember" name="SeriesBConvertiblePreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hqy_SeriesCRedeemableConvertiblePreferredStockExercisableThroughAugustTwentySixteenMember" name="SeriesCRedeemableConvertiblePreferredStockExercisableThroughAugustTwentySixteenMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hqy_SeriesCRedeemableConvertiblePreferredStockExercisableThroughMaySeventhTwentySeventeenMember" name="SeriesCRedeemableConvertiblePreferredStockExercisableThroughMaySeventhTwentySeventeenMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hqy_SeriesCRedeemableConvertiblePreferredStockMember" name="SeriesCRedeemableConvertiblePreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hqy_SeriesD1RedeemableConvertiblePreferredStockExercisableThroughAugustTwentyEighteenMember" name="SeriesD1RedeemableConvertiblePreferredStockExercisableThroughAugustTwentyEighteenMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hqy_SeriesD1RedeemableConvertiblePreferredStockMember" name="SeriesD1RedeemableConvertiblePreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hqy_SeriesD2RedeemableConvertiblePreferredStockMember" name="SeriesD2RedeemableConvertiblePreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hqy_SeriesD3RedeemableConvertiblePreferredStockExercisableThroughAugustTwentyTwentyOneMember" name="SeriesD3RedeemableConvertiblePreferredStockExercisableThroughAugustTwentyTwentyOneMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hqy_SeriesD3RedeemableConvertiblePreferredStockMember" name="SeriesD3RedeemableConvertiblePreferredStockMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hqy_ServicingContractsPortfolioOneMember" name="ServicingContractsPortfolioOneMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hqy_ServicingContractsPortfolioTwoMember" name="ServicingContractsPortfolioTwoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hqy_ShareBasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsEarningsBeforeInterestTaxesDepreciationAndAmortizationToBeArchivedForOptionsToVestPerShare" name="ShareBasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsEarningsBeforeInterestTaxesDepreciationAndAmortizationToBeArchivedForOptionsToVestPerShare" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="duration" />
  <xsd:element id="hqy_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimitExercised" name="ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimitExercised" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="duration" />
  <xsd:element id="hqy_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimitForfeited" name="ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimitForfeited" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="duration" />
  <xsd:element id="hqy_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimitGranted" name="ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimitGranted" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="duration" />
  <xsd:element id="hqy_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimitOutstanding" name="ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimitOutstanding" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="instant" />
  <xsd:element id="hqy_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimitExercised" name="ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimitExercised" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="duration" />
  <xsd:element id="hqy_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimitForfeited" name="ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimitForfeited" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="duration" />
  <xsd:element id="hqy_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimitGranted" name="ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimitGranted" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="duration" />
  <xsd:element id="hqy_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimitOutstanding" name="ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimitOutstanding" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="instant" />
  <xsd:element id="hqy_SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsEarningsBeforeInterestTaxesDepreciationAndAmortizationToBeArchivedForOptionsToVest" name="SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsEarningsBeforeInterestTaxesDepreciationAndAmortizationToBeArchivedForOptionsToVest" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="hqy_SharebasedCompensationArrangementbySharebasedPaymentAwardAdditionalSharesAvailableforGrantsPercentageofCapitalStockOutstandingPercentage" name="SharebasedCompensationArrangementbySharebasedPaymentAwardAdditionalSharesAvailableforGrantsPercentageofCapitalStockOutstandingPercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="hqy_SharebasedCompensationArrangementbySharebasedPaymentAwardAnnualGrowthRateofAdjustedEBITDAonperShareofCommonStocktobeAchievedforOptionstoVest" name="SharebasedCompensationArrangementbySharebasedPaymentAwardAnnualGrowthRateofAdjustedEBITDAonperShareofCommonStocktobeAchievedforOptionstoVest" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="hqy_SharebasedCompensationArrangementbySharebasedPaymentAwardExpirationPeriodfromTerminationofEmployment" name="SharebasedCompensationArrangementbySharebasedPaymentAwardExpirationPeriodfromTerminationofEmployment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="hqy_SharebasedCompensationArrangementbySharebasedPaymentAwardOptionsOutstandingDecreaseinExercisePrice" name="SharebasedCompensationArrangementbySharebasedPaymentAwardOptionsOutstandingDecreaseinExercisePrice" nillable="true" substitutionGroup="xbrli:item" type="num:perShareItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hqy_SharebasedCompensationAwardTrancheFourMember" name="SharebasedCompensationAwardTrancheFourMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hqy_StockIssuanceCostsOther" name="StockIssuanceCostsOther" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hqy_StockIssuanceCostsUnderwritersDiscountsAndCommissions" name="StockIssuanceCostsUnderwritersDiscountsAndCommissions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="hqy_StockIssuedDuringPeriodSharesWarrantsExercised" name="StockIssuedDuringPeriodSharesWarrantsExercised" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="hqy_StockIssuedDuringPeriodValueWarrantsExercised" name="StockIssuedDuringPeriodValueWarrantsExercised" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hqy_TechnologyandDevelopmentMember" name="TechnologyandDevelopmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="hqy_TemporaryEquityDividendPayableDurationtoPayDividends" name="TemporaryEquityDividendPayableDurationtoPayDividends" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration" />
  <xsd:element id="hqy_TemporaryEquityDividendRatePercentage" name="TemporaryEquityDividendRatePercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="hqy_TemporaryEquityNumberOfSharesConvertibleInto" name="TemporaryEquityNumberOfSharesConvertibleInto" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="instant" />
  <xsd:element id="hqy_UnrecognizedTaxBenefitNet" name="UnrecognizedTaxBenefitNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="hqy_UnrecognizedTaxBenefitsAmountNettedAgainstDeferredTaxAssets" name="UnrecognizedTaxBenefitsAmountNettedAgainstDeferredTaxAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="hqy_WeightedAverageNumberOfSharesUsedInComputingNetIncomePerShareAttributableToCommonStockholdersBasicAndDilutedAbstract" name="WeightedAverageNumberOfSharesUsedInComputingNetIncomePerShareAttributableToCommonStockholdersBasicAndDilutedAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
</xsd:schema>





