I'll wait until Dec 2014 to make my $4,300 contribution so I'll only pay one month's fee for 2014 ($2.50 account fee.)In Jan 2015 I'll make another $4,300 contribution and put the $8,600 balance in a no-commission ETF with TD Ameritrade. Thereafter I'll incur a $2.50/month account fee and $3.00/month investment fee for a total of $66/year.I'm not sure why you would make your contribution for 2014 in Dec, 2014 and then make your contribution for 2015 in Jan, 2015. You can wait until April 15 of the following year to make your contribution (like IRA contributions), so you could make both the 2014 and the 2015 contributions any time between Jan 1, 2015 and April 15, 2015. Here's the verbiage about 2013 from IRS Pub 969:When To ContributeYou can make contributions to your HSA for 2013 until April 15, 2014. If you fail to be an eligible individual during 2013, you can still make contributions, up until April 15, 2014, for the months you were an eligible individual.Since you are talking about a $4300 contribution for 2014, I am assuming you will be 55 or older by the end of 2014, so you are making a catch-up contribution of $1000 in addition to a self-only contribution of $3300?AJ
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