Understanding High Deductible Health Plans and HSAs

High deductible health plans (HDHPs) often come with employer contributions to a Health Savings Account (HSA), but these accounts can vary in terms of provider restrictions. If an employer's HSA provider has high fees and limited options, individuals may consider rolling over their funds to a different HSA provider, such as Fidelity. However, whether one can roll over those contributed funds depends on the specifics of the employer's plan. It's also noted that maintaining multiple HSA accounts may be beneficial, but care should be taken not to miss out on potential payroll tax savings.