One last note about the HSA - Obviously all deposits (your personal payroll contributions and the company money) all go to Optum. Optum has an ok variety of mutual funds and bonds and stuff to invest in, but it's still a pretty limited selection and Optum requires that you keep $2000 in cash before you can invest any amount over that. So, what a lot of people do is open an HSA investment account somewhere else (Fidelity is a popular choice) and roll almost all your Optum balance into the other account where you have tons more investment options and no required cash balance. You must keep a small amount in your Optum account (I keep $7) because if you zero it out then Optum will just close your account. There is no fee for the rollover and hypothetically you can do as many per year as you want. Personally I do all my HSA contributions towards the end of the year, so that way in Jan when the company money hits I just do a single rollover of the $7200 to Fidelity. Takes about 2 weeks for the money to transfer and as soon as it does you can do whatever you want with it as far as investing on the Fidelity platform.