If we are talking about a Health Savings Account mine was something our Union Hall collectively bargained for about 10 years ago. Every hour we worked we got like 2$ that went into an account along with the other pipefitters in my local and managed by a 3rd party health trust. I don’t believe we were getting interest on our money. That 2$ is now after 10 years of Health Cost skyrocketing is now 50 cents an hour. HSA’s are great to have and not sure of the rules when it comes to making money in a self funded HSA. I do know IRS are Nazi’s about showing exactly what you spent the money or who ever you choose will definitely want receipts. My new job has a before tax FSA which this year the government allows $3050 and we can only roll over $500 to the next year. My opinion is find a reputable company that does do personal HSA’s and you’ll want a company that gives you a Debit card. Purchases are easier to prove that the money was used for things on the IRS’s list of approved healthcare items.