HSA Investment

[ooeei]

I'm considering contributing to an HSA this year as a supplement to my 401k, but am worried about what will happen if I change jobs.  Has anyone had experience doing an HSA "rollover" after a job change?  Are there low cost HSA providers out there?  Is the rollover easy?

[kite]

It's your money.  You can leave it where it is if you want when you switch jobs.
Someone did an analysis of HSA accounts a while back.  I'll throw a link in if I can find it.
But there are so many variables for how fees affect your returns.  I never take money out, so high fees per payment don't impact me, I'm more concerned with investment returns and low investment fees. 

As soon as I was able to contribute to an HSA, I did.  It's like having a retirement fund on steroids, in addition to the tax benefits l. 

[Paul der Krake]

You can rollover to many providers, or you can usually leave it with your employer's provider. There may be additional fees that your employer is currently paying that would become your responsability after you leave.

Unfortunately fees are almost inevitable no matter the provider.

[ooeei]

I looked into it a bit more, and found that we're partnered with Bank of America/Merrill Lynch.  It's $54/year, but they have a Vanguard S&P 500 fund with a .17% ER.  I'm not crazy about the $54, but it could definitely be worse.  I just signed up for a full contribution.