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Old 02-19-2012, 01:34 PM   #21
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I never had an employer associated with my HSA at Health Equity. I opened it when I purchased an individual health insurance policy. My HSA does not interface with my high deductible health insurance policy like my Optum Bank one did when I was employed and had United Healtcare.

Does your health insurance and HSA tied together? Maybe that accounts for the extra cost.
I don't have an employer or (my own) health insurance anymore (on DW's for now), so my HSA isn't tied to anything. I am not making contributions to the account, I wonder if that's another potential explanation. I'll be looking into it this coming week...
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Old 02-19-2012, 02:48 PM   #22
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I don't have an employer or (my own) health insurance anymore (on DW's for now), so my HSA isn't tied to anything. I am not making contributions to the account, I wonder if that's another potential explanation. I'll be looking into it this coming week...
I went back and looked at the history of my Health Equity HSA (which is very easy to do online).

I opened the HSA in August 2009 when I initially purchased my individual high deductible policy. I deposited $5950. I was charged a monthly "HSA admin fee" through April 2010. The fee ended in May 2010 which coincides with when I think I cancelled the insurance that was originally tied to the HSA. Claims (EOB's) would be sent directly to my HSA online account so the HSA and the insurance were tied and communicating.

No fees charged since April 2010. No additional deposits made until a week ago when I rolled my Optum Health HSA into my Health Equity HSA.
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Old 02-19-2012, 08:17 PM   #23
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Liked the vanguard option with HS Administrators, but 39$ on an account I only have 1-2k in, that's 2-4% in fees!
But if you're using your HSA to accumulate retirement dough, the fee will soon be negligible. I currently have $18,000 in my HSA Administrators account, so the $39 is only .2%
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