This morning the Wall Street Journal (subscribers' link) has six tips on using your HSA.

Jane Zhang says that it's easy to "make costly mistakes regarding unnecessary fees and tax surprises."

The tips:

• Open an account if you can.
• Compare fees
• Put the maximum amount you can in the account each year.
• Shop around for nonemergency care.
• When you file your tax returns, make sure that the amount you claim on the form agrees with the amount that your account custodian reports to the IRS. (You'll get a form from the account custodian, most likely a bank.)
• Invest the money in your account so that it grows.