Thank you for taking the time to provide such a thorough explanation! In reviewing your analysis, just one piece of if appears to be incorrect, but I think it’s significant. I did not close my old HSA account — I simply rolled the funds over to a Fidelity HSA by filling out the Fidelity HSA Rollover form and mailing it to my former custodian, which initiated a direct transfer (i.e., I never received the funds).’
I assume that the prior custodian will eventually close the account now that it has a zero balance (and won’t receive further contributions), but does that change your analysis in any way?
@BillM223
