As others have said, I think you can use another company. Also, some companies will allow you to invest any money above a certain balance. In my HSA, I can inve

As others have said, I think you can use another company. Also, some companies will allow you to invest any money above a certain balance. In my HSA, I can invest anything about $2000 (or maybe $2500?) into a number of different mutual funds. That plus tax benefits plus tax free growth is a pretty good deal.