I'm losing my current health insurance at the end of the month and am being shifted to a HDHP, with a $1200 annual deductible. This will reduce my premiums by a couple hundred dollars a month, with the caveat that I'll have to have much more money accessible up front to pay for doctors' bills etcetera. I've been advised to set up a Health Savings Account (HSA) and have the payroll department at my employer deposit a certain percentage of each paycheck into it so I don't have to pay taxes on it. A local bank in my area, Adirondack Trust, was recommended, but last fall they instituted a $4 monthly fee. I find the idea of having to pay a fee to access money in any savings account repugnant, so I'm wondering if any one knows of any HSAs with no fees that I can look into. I don't really care about the interest rate, but I don't want to be paying a fee either.