Bringing this back up for those in the know. I have another question.

I have opened an HSA with Fidelity and have been successfully transferring cash out of Optum and into Fidelity, which offers far superior investment options. Within Optum I have a Vanguard investment that I can no longer contribute to and it appears that Optum is taking a small chunk each month just for fun. Anyone know if I move that investment from Optum to Fidelity so that Optum can no longer keep taking their $3/month gift? I get that there are fees involved with investments but Optum seems to be worse than most and preys on those who don't know better or don't read the fine print.

I'd like to just keep the minimum cash balance there with Optum and nothing more.

Anyone have insight on this?