> is there a way I could switch my hsa to fidelity to have everything in one place ?

Yes and no. This is a long answer so please bear with me.

In order to contribute to your HSA *directly from your paychecks*, you must have an account at UMB and the funds will go there. UMB is the HSA provider Starbucks has decided to use. However, you can open an HSA at Fidelity yourself and fund it in two ways:

1. Initiate a transfer to move the funds over from UMB. UMB may charge a fee for doing this, so perhaps you'd want to limit the amount of times you do this (keep it to once a year, once per 6 months, etc).
2. Contribute to the Fidelity account yourself outside of Starbucks payroll. You'll receive a tax credit when filing your tax return. Just make sure that if you have two HSAs (the UMB and Fidelity), you do not exceed the annual maximum contribution amount.

Contributing via payroll to UMB directly is the preferred method for a couple reasons:

* You get your tax break up front (meaning less tax is deducted from your pay), no need to wait for filing your tax return.
* You also get a break on FICA (Social Security/Medicare) taxes, which you would not get if you contribute directly to an HSA outside of your paycheck. It's an additional 7-8% you save. This is because the payroll contributions occur under what's called a $1, while standard contributions you make on your own do not.

You can get the best of both worlds if you do the above and then just move the funds over to Fidelity afterward. Fidelity's HSA is one of the best out there in terms of investment offerings and is overall easier to use. Depending on how you manage your HSA, it may be easier to just leave it at UMB rather than deal with all of the above.