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  <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_InterestOnLongTermDebtFiscalYearMaturityAbstract" abstract="true" name="InterestOnLongTermDebtFiscalYearMaturityAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="hqy_SalesandMarketingMember" abstract="true" name="SalesandMarketingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hqy_WageWorksInc.Member" abstract="true" name="WageWorksInc.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_DebtInstrumentAmortizationPeriodAxis" abstract="true" name="DebtInstrumentAmortizationPeriodAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="hqy_RACustomerRelationshipMember" abstract="true" name="RACustomerRelationshipMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <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_TermLoanFacilityMember" abstract="true" name="TermLoanFacilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hqy_DebtInstrumentAmortizationPeriodOneMember" abstract="true" name="DebtInstrumentAmortizationPeriodOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types: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_ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimitOutstanding" abstract="false" name="ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeLowerRangeLimitOutstanding" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="hqy_ClientHeldFundsPolicyTextBlock" abstract="false" name="ClientHeldFundsPolicyTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="hqy_DebtInstrumentCovenantNetLeverageRatio" abstract="false" name="DebtInstrumentCovenantNetLeverageRatio" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="hqy_PerformanceRestrictedStockAwardsMember" abstract="true" name="PerformanceRestrictedStockAwardsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="hqy_PaymentsToSettleClientHeldFunds" abstract="false" name="PaymentsToSettleClientHeldFunds" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hqy_DebtInstrumentPeriodicRepaymentsPercentageOfPrincipalAmount" abstract="false" name="DebtInstrumentPeriodicRepaymentsPercentageOfPrincipalAmount" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="hqy_DeferredTaxAssetsTaxCreditCarryforwardsResearchNoncurrent" abstract="false" name="DeferredTaxAssetsTaxCreditCarryforwardsResearchNoncurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="hqy_CreditAgreementMember" abstract="true" name="CreditAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
