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  <xs:element id="hqy_PassiveCustodialFundsMember" abstract="true" name="PassiveCustodialFundsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="hqy_LesseeOperatingLeaseLateChargePercentage" abstract="false" name="LesseeOperatingLeaseLateChargePercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="hqy_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimitForfeited" abstract="false" name="ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimitForfeited" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:perShareItemType"/>
  <xs:element id="hqy_AssetAcquisitionAcquisitionRelatedCosts" abstract="false" name="AssetAcquisitionAcquisitionRelatedCosts" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hqy_DebtInstrumentAmortizationPeriodFourMember" abstract="true" name="DebtInstrumentAmortizationPeriodFourMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="hqy_TechnologyandDevelopmentMember" abstract="true" name="TechnologyandDevelopmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="hqy_ComputerSoftwareAndCapitalizedSoftwareDevelopmentCostsMember" abstract="true" name="ComputerSoftwareAndCapitalizedSoftwareDevelopmentCostsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="hqy_UnrecognizedTaxBenefitNet" abstract="false" name="UnrecognizedTaxBenefitNet" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hqy_EquityAwardsExchangedForCashInBusinessCombinationMember" abstract="true" name="EquityAwardsExchangedForCashInBusinessCombinationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="hqy_HSAMember" abstract="true" name="HSAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="hqy_AuditInformationAbstract" abstract="true" name="AuditInformationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="hqy_AcquiredHSAIntangibleAssetsMember" abstract="true" name="AcquiredHSAIntangibleAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="hqy_HSAPortfolioMember" abstract="true" name="HSAPortfolioMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hqy_AssetAcquisitionNumberOfTransfers" abstract="false" name="AssetAcquisitionNumberOfTransfers" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="hqy_SubleaseIncomeToBeReceived" abstract="false" name="SubleaseIncomeToBeReceived" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hqy_ClientHeldFundsPolicyTextBlock" abstract="false" name="ClientHeldFundsPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="hqy_SalesandMarketingMember" abstract="true" name="SalesandMarketingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="hqy_StephenNeelemanMember" abstract="true" name="StephenNeelemanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hqy_DelanoLaddMember" abstract="true" name="DelanoLaddMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hqy_DebtInstrumentAmortizationPeriodFiveMember" abstract="true" name="DebtInstrumentAmortizationPeriodFiveMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="hqy_NonPassiveCustodialFundsMember" abstract="true" name="NonPassiveCustodialFundsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="hqy_AssetAcquisitionNumberOfCustomerAccountsTransferred" abstract="false" name="AssetAcquisitionNumberOfCustomerAccountsTransferred" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="hqy_DebtInstrumentAmortizationPeriodDomain" abstract="true" name="DebtInstrumentAmortizationPeriodDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="hqy_InterestOnLongTermDebtToBePaid" abstract="false" name="InterestOnLongTermDebtToBePaid" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hqy_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimitForfeited" abstract="false" name="ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimitForfeited" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:perShareItemType"/>
  <xs:element id="hqy_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimitOutstanding" abstract="false" name="ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeUpperRangeLimitOutstanding" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:perShareItemType"/>
  <xs:element id="hqy_CreditAgreementMember" abstract="true" name="CreditAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="hqy_A4500SeniorNotesDue2029Member" abstract="true" name="A4500SeniorNotesDue2029Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="hqy_PaymentsToAcquireAssets" abstract="false" name="PaymentsToAcquireAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hqy_ExerciseOfStockOptionsReceivable" abstract="false" name="ExerciseOfStockOptionsReceivable" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hqy_InterestOnLongTermDebtToBePaidYearTwo" abstract="false" name="InterestOnLongTermDebtToBePaidYearTwo" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" 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-types1:perShareItemType"/>
  <xs:element id="hqy_DebtInstrumentPeriodicRepaymentsPercentageOfPrincipalAmount" abstract="false" name="DebtInstrumentPeriodicRepaymentsPercentageOfPrincipalAmount" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="hqy_LesseeOperatingLeaseLeaseNotYetCommencedUndiscountedAmount" abstract="false" name="LesseeOperatingLeaseLeaseNotYetCommencedUndiscountedAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hqy_DebtInstrumentAmortizationPeriodAxis" abstract="true" name="DebtInstrumentAmortizationPeriodAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="hqy_InterestOnLongTermDebtFiscalYearMaturityAbstract" abstract="true" name="InterestOnLongTermDebtFiscalYearMaturityAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="hqy_WageWorksInc.Member" abstract="true" name="WageWorksInc.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="hqy_FurtherAcquisitionMember" abstract="true" name="FurtherAcquisitionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
</xs:schema>
