Yes, the HSA is well worth it. When you leave your job you can roll it over to a better provider like
Saturna, which lets you buy Vanguard funds for a fee of $24.95 a year, or Fidelity funds for $14.95 a year. Here's the breakdown:
Vanguard Mutual Funds
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Cost per trade: $24.95
Admiral Shares: Yes (*without* meeting the minimum 10k requirement).
Dividend re-invest: no charge
Inactivity fee (no trade within calendar year): $12.50
Fidelity Mutual Funds
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Cost per trade: $14.95
Admiral Shares: Yes* (but *will* need to meet 10k requirement). The new website will give you an error right away if the order doesn't meet the fund's minimum.
Dividend re-invest: no charge
Inactivity fee (no trade within calendar year): $12.50
ETF (Vanguard & Fidelity)
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Cost per trade: $14.95
Dividend re-invest: $1
Inactivity fee (no trade within calendar year): $25
Source:
https://www.bogleheads.org/forum/viewtopic.php?f=10&t=135513&start=50#p2526869Fully fund the HSA each year with a single contribution, and your yearly fee will be either $14.95 or $24.95. Some people roll over their account yearly, which apparently is allowed even if you're still employed with the same company, definitely something to look into.