I first developed an HSA at MegaCorpSucks, a large national company, which I left this spring. I then spent 4 months at a local company this summer before finally leaving the workforce to RE completely last month. When I moved from Mega to Local I also transferred my HSA account from a big name administrator to theirs to keep everything in one place. My intent and practice to date has been to stuff that HSA to the rafters and invest that money Vanguard funds along the way, using this as a non-taxable retirement vehicle like a Roth (I have not been eligible to contribute new money to a Roth for years and now without W-2 income I will still be ineligible; this is the weaker substitute).
I am not happy with the new local administrator. They are very slow to respond to e-mails and insist on a ridiculous $2000 minimum in my cash account that can't be invested. I also have this weird feeling that these jokers could simply fold their local tent one day and it would be an enormous hassle to get my money out of there. Their website feels cheesy, their monthly fee is a touch higher than other sites, and dammit, I am still waiting for a response to an e-mail I sent them 5 days ago. Zip. That alone makes me want to give them the heave-ho. So I am looking at options and did review what Vanguard notes on their site for providers that offer their funds.
Looking around I see that I can choose Bank of America as an HSA admin ($1000 min uninvested and a slightly lower monthly fee) and I also have an inquiry in at my local credit union to see if they have someone I can use. There was another name on the VG site but their fees seem like a complete joke with monthly fees plus a quarterly gotcha cost. Fuck that noise. I am at the point that I would definitely consider making a change even if it means I don't have access to Vanguard funds.
Now that you FIRE folks are untethered to a J.O.B., who do you use for HSA? Did you roll it out of your provider for another option?
Please include the min cash account and monthly fee if you can. Thanks!