re: PPO vs HSA high deductible

My employer plan told me to pick a bank. I shopped around and went with HSA Bank since they have a deal with TD Ameritrade who allows for commission free trades of Vanguard ETFs.

So every paycheck I have $125.00 ($125 X 26 pay periods = 3,250 max contribution) direct deposited into my HSA bank account. I then request the transfer to TD ameritrade, and then purchase my Vanguard ETFs.

The only fee I have with HSA Bank is $3 a month since I don't hold their minimum amount in the account. I have yet to find a fee free HSA bank institution that allows me to invest like I want. They all take money from somewhere, either at setup or not having commission free trades, or whatever, so I went with the one that seemed the least "damaging."