How to find/research Health Savings Accounts (HSA, pay, rate)
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Has anyone found a site that lists and compares Health Savings Accounts...similarly to what they do at BankRate.com for regular investment options?
I've looked at Bank of America - and I really don't want to pay 4.50 per month...even as one of their banking customers (gee..thanks BoA...need 250k to waive the fees). Melon has been offered as an option to us through an employer (due to our High Deductible plan)...and I think they charge < $3 if you start investing the money (free if in savings).
This board has listed some options (haven't looked in to them just yet). It just seems crazy that we have to hunt down these plans individually. I'm hoping their are some central sites that can help and I just haven't come across them yet.
Stanford Credit Union for balances under 9-10k...4.855% interest rate no fees.
After you hit 10k I think HSA Bank is the better choice since you can invest it in the market for higher returns. Their fees are high and the interest they pay on the first 2k (they require 2k in "cash" for expenses) is low. Depends on your risk profile though.
Nothing wrong with keeping more than 10k in SFCU though, almost 5% risk free is pretty sweet.