01
The monthly drip
A few dollars a month is easy to ignore and hard to get back. Confirmed monthly fees here run from $0 to $3. Some plans waive the fee only after you park a large cash balance, which is money you then are not investing.
Directory
HSA providers
Compare the fees that actually change the decision: the monthly charge, the cash you must hold before investing, the cost to transfer out, and the cash rate. Checked October 15, 2026. “Not confirmed” means we did not invent a number. How we collect and check this data.
Your workplace HSA may be charging you to sit still
Monthly fees, a pile of cash you are not allowed to invest, and a charge to leave. Here is what the 11 providers above publish, checked October 15, 2026.
- Providers
- 11
- Fields still not confirmed
- 22
- Last checked
- October 15, 2026
Four fee traps worth finding before you move money
02
Cash held before you can invest
An invest-from balance is a floor, not a suggestion. Confirmed floors in this directory run from $0 to $2,000. Dollars under that line usually earn a small cash rate while a long-term HSA could be in funds.
03
The fee to leave
Where a transfer-out fee is confirmed, it is $25. Pay it once and a cheaper HSA can still win. Pay it every month and it does not. Several providers do not publish this fee, so those cells say “Not confirmed.”
04
Closing the account, or sweeping it
Contributions through payroll can skip Social Security and Medicare tax. A personal HSA you fund yourself usually does not. Many people keep the workplace account for new deposits and move the balance a few times a year. The calculator is for that tradeoff.