For more on MFO discussions on HSA's, type "HSA" into the MFO Discussion Search box...here's what I found:
https://mutualfundobserver.com/discuss/search?Search=hsa

Interesting that ponAx is *no load* at vanguard!
Nothing special about load-waived A shares. Already offered by Blackrock (e.g. bAedx), Franklin Templeton (e.g. tcwAx), Nuveen (e.g. npsAx), JPMorgan Chase (e.g. olvAx), Columbia (e.g. rebAx), and on and on. Pimco is well behind the curve.

PiMco Income isn’t available as an annuity at Fidelity (although total return is available).
Fidelity's not the only game in town. Look around, you can find it.
An HSA option is severely limited to how much you can put in per year.
If you're talking about small investors, they're constrained by what they have to invest. If the HSA contribution significantly limits how much money they can put it, then they're not so small investors (and could afford I shares).
So even with those additional options, its severely limits the small investor from getting into the fund as it wouldn’t be highly available in the fund supermarket at most brokers.
What's the issue here? Your list of four options communicated the idea that small investors would either have to become big investors (add lots of money to buy I shares) or pay a load to gain access to Pimco funds. But they can already buy Pimco A shares without a fee or load.
Now you seem to be agreeing that they can, but that you don't want to walk across the street (metaphorically speaking) to buy the shares. What do you say about the many other funds that aren't open for new accounts everywhere, such as VWENX, ACMVX, BRUFX?
There's an old joke: A poor, devout man prays each week to win the lottery, and each week doesn't win. He finally asks the Lord why he hasn't won. The response: "meet me half way; buy a ticket!"

NSF,
Interesting that ponAx is *no load* at vanguard!
PiMco Income isn’t available as an annuity at Fidelity (although total return is available).
An HSA option is severely limited to how much you can put in per year.
So even with those additional options, its severely limits the small investor from getting into the fund as it wouldn’t be highly available in the fund supermarket at most brokers.

So the small investors can:
1) put up the money for I class shares
2) go through an advisor
3) buy the loaded A shares (for the new investors, not the converted D share investors ).
4) buy the etf BOND which is a more tax efficient structure than the mutual fund.

5) Pony up $3K to buy the A shares NTF, e.g. PONAX:
https://investor.vanguard.com/mutual-funds/profile/overview/N061?FundIntExt=EXT
6) Buy A or I shares NTF with no/low min through an HSA, e.g. The HSA Authority (available funds)
7) Buy an annuity clone (Pimco Variable Insurance Trust) fund, with no min, e.g. through Fidelity Personal Retirement Annuity

I have an account with Scottrade - I have confirmed that as part of the transfer to TDA the transaction fees for mutual funds will remain $17.

That's great!
TDA has lots of different fee schedules written up - the standard retail one (no maintenance fee, 180 day short term NTF fee), one HSA I had (briefly) with a maintenance fee, another HSA schedule with lower than standard fees, etc. I was concerned since TDA had not provided a separate price sheet for transitioned accounts, it pointed to a document with its standard fees, and it was coy about pricing.
The only actual number it put in writing was for equities, which at $6.95 it described as "low". These days, that's 40% higher than Schwab, Fidelity, or Ally (Trade King), and more than double Firstrade . $6.95 isn't a lot, but calling it low is PR.
I hope they'll also honor the Scottrade90 day period for short term NTF trading (instead of requiring you to hold funds for 180 days).

And yet Vanguard doesn't offer an HSA to individuals.
https://personal.vanguard.com/us/whatweoffer/overview/healthsavings
They just refer you over to Health Savings Administrators, that charges you $45/year plus the equivalent of a 12b-1 fee (0.25%/year) to invest in Vanguard funds:
https://healthsavings.com/vanguard/fees/
or to Health Equity that charges $36/year plus virtually the equivalent percentage fee, here 0.24%/year.
https://healthequity.com/indexinvestor/
These aren't even the cheapest ways to get Vanguard funds in HSAs through third parties. For example, The HSA Authority, like Health Equity, offers 17 vanguard funds (not all the same), for $36/year. Rather than charge 0.24%/year, the share class it offers (often Admiral) may charge a couple of basis points more than the Institutional class shares that Health Equity offers for a few of the funds. Still cheaper all-in at HSA Authority.
https://hsainvestments.com/fundperformance/?p=TBH (HSA Authority fund list)
https://healthequity.com/indexinvestor/ (Health Equity Vanguard fund list)

FYI: Choosing a health insurance plan involves a complex analysis of premiums, deductibles, out-of-pocket maximums, and tax costs. The right choice depends on an individual’s policy options, budget, and expected health care needs.
Regards,
Ted
http://www.etf.com/sections/etf-industry-perspective/vanguard-explore-surprising-savings-opportunities-hsa

@MikeM: I use sector funds/etfs such as utility and staples to add ballast and counterbalance some of my more aggressive funds or to correct underweighting of sectors in my overall portfolio. I had to sell the utility fund I had at ML when I transferred, since it was not offered at Fido. They did accept FRUAX when I transferred the roth, but one year earlier when I transferred the traditional ira, they did not, so bought VPU in its place. Same story on the health care funds, they would not accept PHSZX in the ira, so I bought SHSAX, but did accept it by the time i transferred the roth. I added IHI and FRHFX when I sold PJP and my biotech fund. I liked the emphasis on medical devices over biotech going forward. I was light on financials, so I added JRBFX. No, I do not think I know more than mf managers, as a matter of fact, I used to be all funds and no etfs and over the last two years did some comparisons and in some of the sectors I actually liked the etfs better. I enjoy investing and most of my portfolio is in funds Ive had for many years such as the Vanguard funds. Im sure I could consolidate further by getting rid of the funds that I cannot add to that I brought over from ML but all of the ones I kept do well.
I basically am following the sector weightings my ML advisor set up, I just dont pay for the advice anymore, and I left ML because they have limited fund offerings. They sell very few Vanguard funds, which was my original impetus to start moving over to Fido.
We all invest as we see fit, mine works for me, and I assume your works for you.

Thanks for your comments guys,I expected the too many funds and too low on some questions. Will try and address your comments:
@Art: Over the last ten years, converted quite a bit from traditional ira to roth. 2/3 of my retirement funds are now in the roth. I treat the roth a bit differently than the traditional ira, as it will be the last to be used, and it much more aggressive.
@Pudd: I only started VWINX this year, and because it is $75 each time I want to add to it, I wait until I sell another fund or stock to fund it more. As I stated, I tend to use a barbell approach rather than allocation or balanced funds, but will add to it over time. I use the staples, utilities, and more value and moderate stock funds as ballast to my more aggressive holdings. I have two general hc funds basically because I cant add to PHSZX at Fido, it was bought when I was with ML I sold the amount I had in the traditional ira and bought SHSAX so I could add to it. I used to have a biotech and a pure pharma etf but sold those to invest in IHI and FSPHX. Regarding the reit, I only bought FRIFX on Friday, selling VNQ after 5 years. I wanted to give a managed fund a try in this sector and liked the Fido offering. It is not a spif, I like having reits as a permanenet part of the portfolio. Not expecting rates to rise very fast anyway. I like how FRIFX is a bit more diversified in its components. Ive had MINDX for over 3 years, but probably would not be buying it now but perhaps a more diversified Asian fund. I have enough diversity in my other foreign holdings that I could risk it. I know I have many funds, primarily because I could not bring some of them from ML and had to find a comparable fund. I brought the traditional ira over first, a year later the rest, so in that year, some I could not bring over, and had to sell, and some closed so had to find alternatives.
@MikeM: I was expecting this comment from someone lol. I love small caps, but the reason they are so low is that I have many funds that have small caps in the portfolio and already at 24% small and mid.
Hope I addressed your comments enough, and no Im not sensitive, many times I think I have too many funds myself, but there is somethng I like about each of them that I hold. And each does have a role, maybe someday this will change :)

Whew. This started out as a simple exercise and will try and provide commentary on my portfolio in addition to allocations and percentages. I have three portfolios. First one , is a taxable account which has a majority of the bond allocation at 80%, which includes 2 munis I am holding til maturity, also have two stocks in that portfolio, one of which I am getting ready to sell for its gains. That portfolio is 27% of my total. The other two are a traditional ira and a roth, and the roth is the larger of the two. You will notice some duplications in fund characteristics, the result of my moving from Merrill Lynch last year to Fidelity. Some positions I could not add to since they are institutional funds, so had to add similar funds from another fund company. I take a barbell approach to the total, balancing aggressive funds with conservative ones. More people seem to use balanced funds, I chose this method. That said, I am 68% equities, 32% bonds and cash, and 66 and retired. SS provides me about 1/3 of my expenses, rest comes from taxable account, which will be the first to be depleted, but I do have to start taking from the ira in four years. I am trying to follow the basic set up that Pudd used, adding my own tweaks. This reflects iras only. I threw in etfs into the mix. Here goes:
Large and multi cap:
MSEGX 1.5%
POGRX 2.6%
RSP 1.0%
SMGIX 6.4%
TWEIX 2.5%
VIG 3.0%
VDIGX 6.5%
VOO 5.6%
VPCCX 2.9%
VWINX 2.7%
Sector funds
CMTFX 3.1%
PHSZX 1.4%
FRUAX 1.5%
FSPHX 1.3%
IHI 2.0%
JRBFX 1.3%
PRGTX 6.2%
RHS 3.7%
SHSAX 1.4%
VPU 2.0%
FRIFX 2.9%
Small-midcap
CCASX 1%
SMDV 1%
UBVSX 1.3%
Global non sector funds (with a minimum of 30% foreign)
APDGX 3.0%
IWIRX 2.6%
Foreign
FMIJX 4.5%
SIGIX 4.9%
GSIHX 1.8%
OSMYX 2.8%
MINDX 2.5%
Stocks
MMM 2.1%
TRV 1.2%
Bonds and cash are 9.6% of total iras, since taxable portfolio has the high bond allocation. I use PONDX, PYACX, CPXAX, GIBIX.
According to Fidelity, in the iras, I am 76% large cap, 17% mid cap, 7% small. The above small cap funds I have do not reflect total small cap exposure since I have small cap stocks in a number of funds that are multi cap. I usually have more stocks, and use them more for trading than investment.
Im sure I have many more funds and etfs than most, but this is cut down from earlier this year :) All comments welcome, good and bad.

To take a medical deduction, you need proof of two different things:
1) That a qualified medical expense was incurred, and
2) That you paid the expense.
Old checks should suffice for #2, but you should also have proof of #1. That check to your dentist might have been for an electric toothbrush. Your doctor might be your next door neighbor who just sold you his old lawnmower.
EOBs and doctor bills seem to be good ways to show what services were paid for.
Regarding using HSAs for Medicare premiums - watch out for a gotcha.
From IRS Pub 969: "if you, the account beneficiary, are not 65 or older, Medicare premiums for coverage of your spouse or a dependent (who is 65 or older) generally aren’t qualified medical expenses."

@Kaspa,
Lost medical receipts might be retrievable by finding past checking statements (my bank keeps these available online electronicly in pdfs going back multiple years). Once you identify a lost payment save as a pdf (download to a storage device or the cloud). Also, lost payment records by credit card can be retrieved similarly.
You might even be able to ask your dentist's/doctor's office or hospital billing department to retrieve patient payments.
Items and services that are reimbursable are linked here (Qualified medical expenses):
hsacenter.com/what-is-an-hsa/qualified-medical-expenses/
H.S.A can be very helpful after age 65:

Many out-of-pocket expenses qualify for tax-free H.S.A withdrawals even after you’re on Medicare. You can use the money to pay premiums for Medicare Part B, Part D prescription-drug coverage or all-in-one private Medicare Advantage plans (but not for medigap premiums). You can also use the money for co-payments and deductibles you pay for medical expenses, out-of-pocket costs for prescription drugs, vision and dental care, and even a portion of qualified long-term-care premiums ($3,500 in 2012 for people ages 61 to 70, for example and more if you’re older)

Article:
health-savings-accounts-after-medicare
IRS Link to Pub 502:
https://irs.gov/pub/irs-pdf/p502.pdf

"The individual can show that the $1,500 HSA distribution in 2005 is a reimbursement for a qualified medical expense that has not been previously paid or otherwise reimbursed and has not been taken as an itemized deduction."
This presents an interesting situation. How does one go about proving that something didn't happen?

As a public service, here is the elusive Q-39, in it's entirety:
Q-39. When must a distribution from an HSA be taken to pay or reimburse, on a tax-free basis, qualified medical expenses incurred in the current year?
A-39. An account beneficiary may defer to later taxable years distributions from HSAs to pay or reimburse qualified medical expenses incurred in the current year as long as the expenses were incurred after the HSA was established. Similarly, a distribution from an HSA in the current year can be used to pay or reimburse expenses incurred in any prior year as long as the expenses were incurred after the HSA was established. Thus, there is no time limit on when the distribution must occur. However, to be excludable from the account beneficiary’s gross income, he or she must keep records sufficient to later show that the distributions were exclusively to pay or reimburse qualified medical expenses, that the qualified medical expenses have not been previously paid or reimbursed from another source and that the medical expenses have not been taken as an itemized deduction in any prior taxable year. See Notice 2004-2, Q&A 31 and also Notice 2004-25, for transition relief in calendar year 2004 for reimbursement of medical expenses incurred before opening an HSA.
Example. An eligible individual contributes $1,000 to an HSA in 2004. On December 1, 2004, the individual incurs a $1,500 qualified medical expense and has a balance in his HSA of $1,025. On January 3, 2005, the individual contributes another $1,000 to the HSA, bringing the balance in the HSA to $2,025. In June, 2005, the individual receives a distribution of $1,500 to reimburse him for the $1,500 medical expense incurred in 2004. The individual can show that the $1,500 HSA distribution in 2005 is a reimbursement for a qualified medical expense that has not been previously paid or otherwise reimbursed and has not been taken as an itemized deduction. The distribution is excludable from the account beneficiary’s gross income.

No time limit. The only requirement is that you must have opened the HSA (or its predecessor, if you moved accounts) prior to incurring the qualified expenses.
So if you opened your HSA in May 2010, then you can hold onto all those bills and proofs of payments from May 2010 on, and use them to justify HSA withdrawals that you make in 2025.
This seemed too good to be true, so years ago I bookmarked an IRS publication on the subject. Look for Q-39 in this 2004 IRS Bulletin:
https://www.irs.gov/irb/2004-33_IRB
"there is no time limit on when the distribution must occur"

@msf: I was not aware that current medical expenses can be rolled over to next year (or longer?) for the purpose of HSA distribution. Is there a limit in terms of amount/time? I do have an HSA and do not use the money for distributions just to build a nest egg for eventual big medical needs.

Fortunately I have the cash to be able to cover medical expenses, so I treat HSAs as super duper Roth IRAs. Money checks in, but it doesn't check out. (As you do, I also keep track of medical expenses so that I will, some years down the road, be able to pull all the money out tax-free.)
That said, I've worked with a few different HSAs. One way or another, with nearly all HSAs you're going to wind up paying at least $25 or so per year to invest. That could come from a trading requirement (or inactivity fees if you don't trade), a bank account or an investing account annual fee, etc.
The Bruce Fund seems to be an exception, but its offerings are, shall we say, not copious? Saturna has a $25 inactivity fee if you don't have a transaction each calendar year (though that drops to $12.50 if all you hold are mutual funds, and they do offer NTF funds including some that are popular here, such as DSENX).
One would like to avoid tying up money on the bank side (paying peanuts), and invest all the money - at least if you use the HSA as I do, as a supercharged IRA. Keeping cash on the bank side to avoid the annual fees seems like a losing proposition over the long term.
You'll find my thoughts on the three HSA mentioned in the cited article as a comment there: https://thefinancebuff.com/best-hsa-provider-for-investing-hsa-money.html#comment-21591
Someone there just posted about a new HSA administrator, Lively ($30/year to invest):
https://thefinancebuff.com/best-hsa-provider-for-investing-hsa-money.html#comment-21595
Here's the TDA commission and fee schedule for that account (short term trading on NTF funds is defined as 90 days, and just $25 for TF funds):
https://www.tdameritrade.com/retail-en_us/resources/pdf/SDPS1009.pdf
Lively is a VC backed startup that just started providing an investment option a month ago. Looks very good, assuming it will survive in this form. $30 fee is in the right ballpark, and has no min balance requirement to start investing or to keep on the bank side.
Regarding Optum Bank (a subsidiary of United Health) - here's an old fee schedule, but it seems consistent with bee's figures. The eAccess account does charge $1/mo ($12/yr), but that's on the bank side, and waived with balances above $500. You need (or at least needed at the time of the fee schedule cited) to keep at least $2K on the bank side, and you still paid $3/mo ($36/yr) extra to invest.
In case you're having problems with their fund list (I am), here's a simple pdf from January 2017:

@MikeM,
I began contributing individually to an H.S.A (I'm retired & PT self employed) a few year ago. My first contribution was a one time rollover from my SD IRA account to the Bruce Fund (BRUFX). Its historical returns are pretty good:

Anyone interested can view the fund here:
M* link to BRUFX-
morningstar.com/funds/XNAS/BRUFX/quote.html
As I have mentioned in other posts the Bruce Fund is a old school experience using snail mail for contributions and withdrawals, but the fund does have a basic online account service for viewing your account and downloading forms. I use Bill Pay at my bank which has allowed me to make monthly contributions electronically so I do not have a problem there and I infrequently make withdrawal.
I instead, keep track of my medically eligible expenses on a spreadsheet, pay for these costs out of pocket during the year and then decide at the end of the year whether I need to make a withdrawal from my H.S.A to reimburse these expenses. If not, I keep these records for the next year. H.S.A can roll eligible reimbursements into the future which is not the case with other health savings plans.
Anyway, to your question (I hadn't forgot) Bruce Fund does not offer some other features that other H.S.A provider do such as an investment platform and a debit/savings account. So no debit card, no cash account. Every dollar is fully invested in the Bruce Fund and only the Bruce Fund. From the articles I attached i would consider Optum Bank which seem to have a $1/month fee (eaccess account) and offers some mutual funds on its investment platform that interest me.
https://optumbank.com/
Mutual Fund offerings through Optum Bank (need Adobe Flash to view):
https://optumbank.com/individuals-families/how-to-invest-with-hsas/mutual-funds.html
Again, fees and transaction costs are what I have been trying to avoid. Bruce charges $15 service fee and it fund ER. No transaction costs. I may roll over a portion of my Bruce H.S.A to Optum (you are not limited to how many providers you have H.S.A with) and see how that goes. Optum seems to work with employers who offer H.S.A to their employees, but individuals can hold accounts there as well. Finally, many Credit Unions offer the H.S.A (savings/debit accounts). So I may approach a local credit union and combine that with my Bruce H.S.A.
Hope that helps and it would be great to hear form others who may have other H.S.A experiences.

Thanks for the post @bee. I know you are an HSA fan. Do you use any of the suggested providers from these articles?

Updated article and information on H.S.A Providers, investment choices (ETFs and Mutual Funds) and expenses for H.S.A ( Health Savings Accounts) eligible Health Insurance Participants:
best-hsa-provider-for-investing-hsa-money
and,
https://20somethingfinance.com/best-hsa-account/