I just got out of school and my wife and I recently received our benefits enrollment packets from our employers. This is my first time having options to choose from for health insurance. Right now I'm really leaning toward a high deductible option and setting up an HSA. My main reasoning for this is that my wife and I are pretty conservative spenders and already have a small emergency fund of about $1000 (which should grow considerably over the next few months). My problem is that my employer does not offer an HSA, so I will have to set that up privately. Has anyone done this? I've found a few places online that I could set one up, but I'm not sure how reputable they are. I'd love to hear any experiences anyone has with these plans or any advice anyone may be willing to give. Also, some of these offer the option to invest in mutual funds with the money in the HSA, while others simply pay a set interest rate -- most I've seen are around 2.5% which is reasonable. Do any of you think it would be wise to invest these funds into mutual funds? I've usually heard that you shouldn't invest money that you plan to use in 3 years or less. Also, I know this is obvious on this forum, but please keep any politics out of this conversation.