Thanks all.
I asked because I was debating between putting money in the HSA or in my IRA. I want to build up my cash reserves a bit (they got pretty low) but also need the deduction to make my income fit my tax estimates. I figured the HSA might be a better choice because, if I get strapped, I could start paying for my ongoing medication and lab test costs out of that, making that money more accessible than money in my IRA. (Don't worry, I have plenty in my 401k for the future so it's not crucial that I put money in the IRA this year).
The fees I referred to weren't investment fees, but the crazy charges to actually USE the money in your HSA. That's why I didn't fund it in the first place, seemed like those fees would eat up a lot of the initial tax benefit.