I have a HDHP with an HRA but my employer does not offer an HSA. My understanding is that I still qualify for an HSA with the HRA. Deductible is 2500 each for me and my wife after HRA deduction and 12000 out of pocket maximum combined.

All of my investments are with Schwab. I'd like to have my HSA invested on Schwabs platform to keep everything in one house if possible. Schwab has said they work with Optum Bank and Discovery Bank. I don't know anything about either of these companies and would like to know more. Does anyone have any experience with them?

My understanding is that Optum Bank has no fees if you maintain a minimum account balance. I have not found much information about Discovery Bank's fee schedule.

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