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I'm not much help here. Unfortunately, life has dictated that I spend my HSA contribution every year (and then some). I have my HSA with my bank, as they waive all fees with a $2000 minimum balance (or something around that). With my married contribution of $6k+ each year, that gets me a bit over half way through the year before the balance drops low enough to start triggering monthly fees. Last year I paid something like $25 in fees for the HSA.

--Peter
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