HSA accounts can be great, especially if you have high deductable health insurance. I too currently have a high deductable insurance, and a HSA account. Luckily my employer deposits quarterly into the HSA account, to help offset the deductable. The HSA account I have is through Principal Financial. I had no choice which bank to use, since my work set it up for me. But so far it has worked. One thing to consider that might be common with all HSAs. Once I had enough in my HSA to cover my deductable I was able to invest the remaining money from the HSA. In turn making up for the fees associated with the HSA. The fees I’ve had to pay were very minimal. I think I pay five bucks every 2 months, or quarterly for the use of the debit card on the account. With HSAs you don't lose your money at year end and contributions are pre-tax.