Health Savings Account - 2/21/13 | TigerDroppings.com
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eazyeric23
LSU Fan
Member since Dec 2009
275 posts

Health Savings Account

Just switched jobs and now have a high-deductible insurance plan with Blue Cross. Anyone have any experience or knowledge of the best places to start an account? Looking for low fees and administrative costs, as well as good funds.


Teddy Ruxpin
LSU Fan
New Orleans, LA
Member since Oct 2006
20922 posts

re: Health Savings Account
I honestly found choosing a bank a pain in the ass. I ended up going with HSA Bank. Even though paying 3 bucks a month sucks ass, their partnership with TD Ameritrade gave me commission free access to vanguard ETFs that I wanted. Had trouble finding a company who could get me Vanguard access for less than 36 bucks a year.


sstig
LSU Fan
Houston
Member since Oct 2003
1718 posts

re: Health Savings Account
Yeah, it will be difficult finding someone to handle your account forless than 3 to 4 bucks a month. Not real competitive.


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tiger91
LSU Fan
South of Lafayette
Member since Nov 2005
13665 posts

re: Health Savings Account
Our BCBS policy is through Farm Bureau so we went with FB Bank. Haven't had any problems.


fishfighter
LSU Fan
Baton Rouge
Member since Apr 2008
20630 posts

re: Health Savings Account
So, what is the max tax break doing it if one doesn't work anymore?


slinger1317
Louisiana
Member since Sep 2005
1780 posts

re: Health Savings Account
Try this one:

My Smart Saver

I have BCBS and this bank actually is set up through BCBS. I have checks and a debit card and no monthly fee if you get an online statement rather than a paper statement.

Works great for me, it earns an above average interest rate, and no fees.


rmc
LSU Fan
Zachary, LA
Member since Sep 2004
22714 posts

re: Health Savings Account
quote:

I ended up going with HSA Bank. Even though paying 3 bucks a month sucks ass, their partnership with TD Ameritrade gave me commission free access to vanguard ETFs that I wanted. Had trouble finding a company who could get me Vanguard access for less than 36 bucks a year.


+1

HSABank performs the functions I need it to. You get free everything, except the TD Ameritrade stuff, as long as you always use the card as a credit transaction, have over a certain amount in the account (think it is 3k) and get electronic statements.


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tiger91
LSU Fan
South of Lafayette
Member since Nov 2005
13665 posts

re: Health Savings Account
fish I have no idea to that question ... does it matter if you work or not? Our max is like $6400 or so ...


Signature
LSU Fan
Omnipresent
Member since Sep 2005
6516 posts

re: Health Savings Account
I use smart saver. I keep enough of a balance to avoid fees and it has all the bells and whistles I need. I'd recommend them.


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fishfighter
LSU Fan
Baton Rouge
Member since Apr 2008
20630 posts

re: Health Savings Account
quote:

fish I have no idea to that question ... does it matter if you work or not? Our max is like $6400 or so ...



That is the problem. I'm retired. I have a high expence for health care.


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