There are always fun wrinkles when you change employers. You cross your fingers and hope they have the same 401k brokerage, the same Health Savings Account provider, and same health insurance provider to make things easy. Unfortunately for me, I struck out on all three. After receiving my second HSA card in the mail a few months ago, I quickly became annoyed with having two accounts. So I decided to look into this further and determine if I should keep two separate Health Savings Accounts or combine the two accounts.