My HSA plan

One account has 12,000 and the other has 2,000. My goal is consolidate all into my Fidelity account.

They seem to be the best

The total you can add per year is $3,850 for 2023.

In December I will add enough to get reach the maximum.

In 2024 the total will be $4,150.

The IRS sets the amount that can be added into the account each and it generally increases with inflation. Which means that it should go up each year or every other year over time, how much you may contribute.

If you have an employer find if they do, because that might be part of your compensation.

I always plan to keep enough cash in the account that would cover my health insurance deductible, which is high. My deductible is about $5,000/year. HSA require the participant to be in a High Deductible Health Insurance Plan.

Which means that I could be contribute for the next 30+years.

It will likely be much more than that, because they amount you are allowed to add to your account will increase as well as any gains you receive from your investments.

I do not plan to use the majority of the cash in this account until I am older. I am investing the majority of the money into individual growth stocks. Or at least stocks that I believe will grow over time. Right now I have about $8,000 invested into 14 different individual stocks.

A few are: DIS, GDDY, BRK.B, CRM

Each month I add more money into the account I divide the money equally into the 14 investments.

An important key to this strategy is to save any receipts right now that could be considered 'health' related. You can and will need to reimburse yourself at a later date to use these funds.