<prompt> Human: Im 28F, married, and am going to have a baby this summer. We picked a health insurance plan UnitedHealthcare Silver Compass Balance HSA 3000 with a 393 premium and a 3000 deductible. The insurance guy told us over the phone that we can simply pick an HSA to go with but I dont know where to start. Are there monthly fees? Withdrawal fees? Since we are planning to reach this deductible because of the birth, should only put 3,000 in? Thank you so much in advance!  <response>: Heres a great resource for HSA noobs that I linked earlier in the year not my original content: Its very comprehensive so even rpersonalfinance vets will probably learn something too :Edit: And for the quick and dirty, refer to the Bogleheads wiki: Edit2: My HSA is set up with Health Savings Administrators, the company recommended by Vanguard. They allow you to invest in Vanguard Admiralty mutual funds, right from the first dollar, and they have a debit card if you want it. 