<prompt> Human: Hey folks. Im a healthy young adult and I have SUPER CHEAP medical insurance through my employer. To reduce my liability to taxes and medically induced financial burden I decided to start an HSA and put 30mo into it. I recently discovered Im being charged 1.35 each month for the account. The money is not invested and it doesnt earn interest so Im a little peeved at this fee which is eating away at my healthcare fund. I know yall are fans of the hsa and I am too but in my case it doesnt seem like its worth it. I already have an emergency savings account and Im not planning to put enough money into the HSA to invest the funds gotta have at least 1k in order to invest. I dont like the idea of investing money which is meant for medical expenses anyway..Should I spend the I have in there and cancel my 15 biweekly contribution? If not can I make a 1 time contribution in order to reach the 1k investment threshold?  <response>: No, although ideally you would be putting more money into it. Once you are funding any 401k to your employer match and have a solid emergency fund built up then your HSA is the next best place to start pushing as much money as you can afford.Most HSA providers waive that monthly fee once you get over 1k-5k in your account. So eventually it will go away. In the meantime consider your tax bracket is likely 12 at a minimum, and possibly 2224 on any additional post-tax money. So even if you are paying 1.35 for every 30 you add to the HSA you are only facing a 4.5 hit on that money. As for investments; while while you should keep a couple thousand of your HSA in a stable place for withdrawls; eventually you would hope to amass significantly more than your maximum out of pocket medical expenses. 