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  <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_SharebasedCompensationAwardTrancheFiveMember" name="SharebasedCompensationAwardTrancheFiveMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" 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_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_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 id="hqy_SupportableCustodialFundsCalculated" name="SupportableCustodialFundsCalculated" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <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_TemporaryEquityStockIssuedDuringPeriodSharesNewIssues" name="TemporaryEquityStockIssuedDuringPeriodSharesNewIssues" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="hqy_TemporaryEquityStockRepurchasedandRetiredDuringPeriodShares" name="TemporaryEquityStockRepurchasedandRetiredDuringPeriodShares" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="hqy_TemporaryEquityStockRepurchasedandRetiredDuringPeriodValue" name="TemporaryEquityStockRepurchasedandRetiredDuringPeriodValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hqy_TwoThousandFiveEmployeeStockOptionPlanMember" name="TwoThousandFiveEmployeeStockOptionPlanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hqy_TwoThousandNineEmployeeStockOptionPlanMember" name="TwoThousandNineEmployeeStockOptionPlanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hqy_TwoThousandSixEmployeeStockOptionPlanMember" name="TwoThousandSixEmployeeStockOptionPlanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hqy_TwoThousandThreeDirectorsStockOptionPlanMember" name="TwoThousandThreeDirectorsStockOptionPlanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="hqy_TwoThousandThreeEmployeeStockOptionPlanMember" name="TwoThousandThreeEmployeeStockOptionPlanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <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>





