My DH's employer is ending his HSA plan and he is moving on to mine in 2016. All of which is fine, but we have his HSA with HSA bank which charges $3/month unless you have $5000 in the bank. Here is the issue, we don't make enough not to use our HSA and my medical cost are $1300 minimum/year. Also we plan to have a kid in 1.5 year ish which should cost us our OOM of $5000. We only have $4846.78 in investments plus about $700 which we can remove from this year (was not planning to until 2016 to fund part of my Roth IRA).
So my thought was to move it all to cash, find a high yield somewhere, pay the $25 to get out of HSA bank and use all of my 2016 HSA for investing. Any ideas if this is a bad plan, ideas for a better one and places where I can find a higher yield without many fees.