HSA is a scam. I had a home warranty with them for a few years - was moderately satisfied with their service when I needed it.
Every year they asked if I wanted to renew and I would approve. This year I decided I didn't need it anymore.... but they decided to auto renew my account.
So I called and said I wanted a refund for the first month's payment they charged me. They said they would, but never did. Then when I called back they said I didn't sign the "cancellation" agreement. Seriously, I need to sign a cancellation agreement and send it back to you for a refund of the money I never agreed to pay????
Scam.