<prompt> Human: My employer, a very large company 100k employees is switching to all high deductible health plans for 2018. I suspect because of the cadillac tax, but thats another topic. I consider myself very fortunate, as this will be my first job where I have a high deductible health insurance plan.My main concern is about the HSA.How does the HSA work? Can I sign up for an HSA anywhere, or will I be forced to sign up with my employers HSA provider? The HSA provider my employer selected has a very consumer unfriendly fee schedule. There are fees for paper statements, monthly account maintenance, monthly investment account fees, account research fees, etc, etc. And very low interest rates. Needless to say, Id like to avoid their provider if at all possible.Another wrinkle is that they are offering some contributions in exchange for completing some health-related tasks 100 for getting an annual physical, etc, etc. How would that work if I had my own HSA? Can they contribute directly to my HSA, or would I need to open an account with their provider?What HSA providers does PF recommend? Should I be maxing out the 3450 limit for my HSA? I already maxed out my 401k for this year and plan on doing the same for 2018.Ill max out my Vanguard Roth IRA this year and plan on maxing out my Roth IRA in 2018 as well.My portfolio is centered on a low-feeindex fund strategy and I would like to continue that with the HSA. EDIT: Another wrinkle - my state is CA. In California, HSAs are not deductible for state income tax.Assistant: I max out my HSA and dont plan to touch it until I retire. Ive been keeping track of my medical expenses so I can reimburse myself later. This way the money can keep growing, tax free, and I get credit card points from paying the expenses. Win win winHuman: Interesting, I didnt know you could use a CC to pay off medical expenses and reimburse yourself later. How does that work? I have a 2 cash back card I could use to take advantage of this..Any advice on which HSA providers are best suited for low-fee index-fund type investing?  <response>: HSA accounts currently have no time limit for self-reimbursement. So what ugajoujai is saying is that he is paying out of pocket and saving his receipts. The HSA grows faster because its never credited, and then later on in life he will reimburse himself for items he paid out of pocket. This money will come to him tax free. Currently, if you withdrawal money before 65 for non-health expenses, it is charged a 20 penalty plus taxes. Over 65, you only pay taxes on non-health withdrawals. In his case, he would avoid both because they were reimbursed health expenses. HSA is like a traditional IRA on steroids. I am currently doing the same strategy with my HSA; however, I have talked to many accountants that question the no time limit HSA reimbursement. The tax law doesnt give a time limit, but it doesnt state its time unlimited either. My CPA believes this may change in the future and there will be a time limit on the reimbursement because nothing is currently stated - its a gray area. Keep in mind that HSAs have only been around since about 2008 HSA, not FSA. So after less than 10 years, no one has really tried to self reimburse for health expenses from 30 years ago not possible because only 10 years max since inception. Again, my CPA thinks that people expect time unlimited self reimbursement to work this way, but we really dont know because no one has tried yet. I would be very interested to hear from other redditors who have self-reimbursed a large amount after 5 years. Need proof though, not just claiming you can cause you want it to. I mean you were audited and the IRS allowed it. 