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HSA recommendation
Old 09-18-2018, 10:14 PM   #1
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HSA recommendation

Iíve searched the threads, but couldnít find one directly addressing recommended/preferred HSA. I donít see that Vanguard offers one. Honestly, I donít even know how theyíre set up or who manages/offers them.

Can you guys suggest some companies that uses Vanguard funds I can research (and hopefully why you choose it specifically)?

Thanks!!
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Old 09-18-2018, 10:29 PM   #2
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Health Savings Administrators is the only HSA I know of that uses Vanguard funds.
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Old 09-18-2018, 10:56 PM   #3
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We use Optum Bank, which I count has 17 Vanguard funds, including the LifeStrategy ones, Wellington and all the major index funds. Weíve only been on the HSA model for 5 months but so far, so good.
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Old 09-18-2018, 11:05 PM   #4
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Health Savings Administrators.

Nice investment choices, but website nothing to write home about .
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Old 09-18-2018, 11:18 PM   #5
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I also use Optum Bank's HSA. Of their investment choices, I put mine in Vanguard Wellington.
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Old 09-19-2018, 12:06 AM   #6
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Health Equity and BofA are listed on Vanguard's website, as offering Vanguard funds along with Health Savings Administrators as noted above.

I simply googled the question and went right to the page.
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Old 09-19-2018, 10:21 AM   #7
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Originally Posted by Montecfo View Post
Health Equity and BofA are listed on Vanguard's website, as offering Vanguard funds along with Health Savings Administrators as noted above.

I simply googled the question and went right to the page.
I recently switched to HealthEquity, good access to Vanguard funds (admiral).
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Old 09-19-2018, 10:58 AM   #8
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I use Further (formerly SelectAccount), hellofurther.com. They offer at least some VG funds. I think you have to keep $1000 in the basic account early very little, and the rest can be invested. I think it's $30 in fees per year.
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Old 09-19-2018, 01:11 PM   #9
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I use Further (formerly SelectAccount), hellofurther.com. They offer at least some VG funds. I think you have to keep $1000 in the basic account early very little, and the rest can be invested. I think it's $30 in fees per year.

I am also with Further (formerly Select Account)

What attracted me to them was:
- very low fees (ie ~$30 per year)
- access to a full blown Charles Schwaab brokerage account where arbritary stocks/ETFs/mutual funds may be purchased.

Note the fees are fixed and there is no "percent of assets" fee unlike Health Savings Administrators and HealthEquity.

https://www.investors.com/etfs-and-f...unt-providers/

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Old 09-19-2018, 02:54 PM   #10
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We use BenefitWallet (mybenefitwallet.com which is a part of savedaily.com). It's offered through megacorp, so I'm not sure if it's available for anybody to sign up. It requires $1k to be kept in cash reserve, but the rest can be invested. I believe the monthly fee is $3.50, but it gets paid for by megacorp as long as actively employed. There are several Fidelity and Vanguard options as well as a whole bunch of others from Schwab, T. Rowe Price, Pimco, Oppenheimer, etc. We're currently invested in the VSTX.
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Old 09-19-2018, 03:04 PM   #11
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I use Health Equity. No maintenance fees if account balance is above $2500
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Old 09-19-2018, 07:50 PM   #12
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Thanks so much everyone!
Very helpful as usual.
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Old 09-20-2018, 05:22 AM   #13
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I use Health Equity. No maintenance fees if account balance is above $2500
Regarding Health Equity:
But aren't you still subject to a Monthly investing administration fee of .033% of assets? (ie a yearly fee of ~ $200 on a $50,000 account)


See bottom of page 7 https://www.healthequity.com/doclib/...ment-guide.pdf
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Old 09-20-2018, 07:05 AM   #14
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Use hsasearch.com to search though everything that's out there.
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Old 09-20-2018, 12:19 PM   #15
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HSA Bank has no fees if you maintain more than $5,000 in a savings account. They have a relationship with TDAmeritrade. ETFs and Mutual funds trade with no commission. You can replace many Vanguard mutual funds with equivelent Vanguard ETFs.
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Old 10-02-2018, 04:41 PM   #16
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Just got an email from HSA Administrators about their new web portal starting 10/8. Hopefully, the new portal will be more intuitive than the current one.

Times are a changing ... fingers crossed .
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Old 10-02-2018, 04:50 PM   #17
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Originally Posted by easysurfer View Post
Just got an email from HSA Administrators about their new web portal starting 10/8. Hopefully, the new portal will be more intuitive than the current one.

Times are a changing ... fingers crossed .
Hmmmm - the current web site and statements have been pretty pathetic, although Iíve been able to tease out the info I needed to track in Quicken. The previous statements when they used HSA Bank were very good. I hope the new stuff is better, not worse!
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Old 10-02-2018, 05:12 PM   #18
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Hmmmm - the current web site and statements have been pretty pathetic, although Iíve been able to tease out the info I needed to track in Quicken. The previous statements when they used HSA Bank were very good. I hope the new stuff is better, not worse!
Can't be any worse .
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