WEX
WEX Inc.
stock NYSE

So my wife and i have separate HDHPs (it makes financial sense for us because of employer contributions and premium subsidies)
My policy covers me and the kids. My employer gives me a lump sum $2500 deposit every spring. I promptly move that into my fidelity HSA. This HSA is with WEX, which doesn't suck as much as optum but still isn't great.
My wife gets an $800 annual contribution from her employer, but they pay it out fractionally each pay period. I can be bothered moving like $28 or whatever it is every 2 weeks so once a year we withdraw the entirety of her balance and put it into a fidelity HSA in her name\*
I will then deposit the remaining $5000 or whatever up to the annual limit into the accounts sometime during the year.
we do not take reimbursements from the HSAs. i am basically using then as bonus IRAs.

So my wife and i have separate HDHPs (it makes financial sense for us because of employer contributions and premium subsidies)
My policy covers me and the kids. My employer gives me a lump sum $2500 deposit every spring. I promptly move that into my fidelity HSA. This HSA is with WEX, which doesn't suck as much as optum but still isn't great.
My wife gets an $800 annual contribution from her employer, but they pay it out fractionally each pay period. I can be bothered moving like $28 or whatever it is every 2 weeks so once a year we withdraw the entirety of her balance and put it into a fidelity HSA in her name\*
I will then deposit the remaining $5000 or whatever up to the annual limit into the accounts sometime during the year.
we do not take reimbursements from the HSAs. i am basically using then as bonus IRAs.