<prompt> Human: My wife has left her job. She is not planning to look for job soon and I dont think she can transfer her balance to my HSA. Any suggestion where she should move her HSA to? I believe there is a monthly fee deducting from her account. She is currently with Benefit Wallet.  <response>: Theres lots of stuff to consider when shopping around for HSAs. Dont be fooled by no fee HSAs if you want to invest your HSA money like youd do in an IRA. Theres no such thing as a free HSA with investment options.2 big points to keep in mind: Some HSAs have fees if you want to have an investment level account, which lets you invest your HSA money in index funds. They may even be free if you dont pick the investment level. If you dont pick this level, the HSA is a savings account. Most HSAs require that you keep a certain amount of money in the savings account part of the HSA before you can put money in the investment account. Some require you leave behind 1,000 in the savings part, some 5,000. Keep this in mind when assessing the fees... an account that charges 24year in fees but requires you keep a 5k savings balance is going to cost more than one that charges 36year but only requires 1k be kept in savings a conservative 4 annual return on the 4,000 that could be invested in option B but stagnant in option A would more than make up for the difference in fees.The hsasearch.com website uwijwijwij linked is a good place to start. 