ACTION

DETAILS

Make HSA elections

Monday, November 3, 2025 -
Friday, November 14, 2025

Make your 2026 HSA elections during Open Enrollment.

Open a Fidelity HSA

Monday, November 3, 2025 -
Friday, November 14, 2025

Elect to contribute to the HSA and agree to the Terms & Conditions to open your Fidelity HSA^®. If you would like to participate in a group transfer to have your HSA Bank HSA moved to Fidelity, you'll need to provide eConsent within the Open Enrollment process.

Visit your USNH Workday account. Note that you must elect to enroll in an HSA-Eligible Health Plan to be eligible to contribute to the HSA.

Important: Your elections from 2025 will not carry over. You must open a Fidelity HSA during Open Enrollment in order to contribute and receive the USNH company contribution. 

Consent to the group transfer
of your HSA Bank balance

Monday, November 3, 2025 -
Friday, November 21, 2025

If you want to take advantage of the group transfer election window to transfer your HSA Bank HSA balance to Fidelity with no fees, you will need to provide consent for USNH and HSA Bank to move your HSA balance to Fidelity (your HSA balance will remain at HSA Bank until it transfers).

• If you elect to participate in the group transfer, you will not be subject to transfer, account closure or monthly administrative fees with HSA Bank.
• If you do not consent to the group transfer during Open Enrollment, you can still elect to transfer your HSA Bank HSA balance to a Fidelity HSA. You can start the individual transfer process beginning in March 2026 by filling out an online transfer of assets form at Fidelity. Please note: There is no fee to initiate an individual transfer at HSA Bank. The process can take six to eight weeks to complete.

Moving funds between HSAs is not typically considered a taxable event and will not be reported to the IRS, though you are encouraged to review the applicable rules for your state and consult with a financial advisor.

How do I elect to take part in the group transfer?

If you want to participate in the group transfer, you must make an election by following the instructions below:

• Visit HSA Bank to begin the election process.
• Enter your first name, last name, last four digits of your Social Security number, and date of birth for verification that you have an active account on file with USNH. 
• Once your infomration is verified, you proceed to the consent process where you elect to stay ith HSA Bank or bring the transfer process to Fidelity.
• Be sure to manually enter your email address after consenting to receive a consent confirmation.

You can also complete this process as part of open enrollment and following the same prompts.  

Important note: You must have a phone number and email on file with HSA Bank to consent to the transfer electronically. The information you enter during the consent process (first name, last name, last 4 digits of your Social Security number, and date of birth) must match what HSA Bank has on file. To make changes to this informaiton, contact USNH.

Activate your Fidelity HSA

Beginning December 2025

You will receive communications from Fidelity once your HSA has been opened. Log in to NetBenefits^® at netbenefits.com and activate your Fidelity HSA. This will help ensure that you have access to all features of your Fidelity HSA.

Note: If you have an existing Fidelity HSA, this step is not required. Your existing Fidelity HSA will be linked to the USNH HSA, and you may continue to use your current debit card.

Choose investments for your HSA

Beginning December 2025

After you activate your Fidelity HSA, you can set up automatic investing to invest some or all of your future payroll contributions.

If you elect to participate in the group transfer and set up automatic investing before the transfer, your HSA Bank HSA balance will be invested based on your investment elections on file with your Fidelity HSA.

You can make or change investment elections virtually any time by logging in to netbenefits.com. From the “Health Savings Account” section on the home page select the “Investing” tab and then select “Set up automatic investing.”

Designate your beneficiaries

Name beneficiaries for your Fidelity HSA.

Any beneficiary designations you made in your HSA Bank HSA will not transfer to your Fidelity HSA. After your Fidelity HSA is activated, visit netbenefits.com. From the “Health Savings Account” section on the home page, select “Summary” then select “Update Beneficiaries.”

Liquidate investments and turn off automatic investing

No later than Wednesday, January 7, 2026, by 4 p.m.

If you select the group transfer, you must liquidate any HSA investments and turn off all automatic investing (directing new contributions to specific investment options rather than the default fund) at HSA Bank at HSABank.com or by calling 800-357-6246.

To liquidate investments, log into your investment platform at HSA Bank and move your investment funds to their HSA cash balance. 

If you have ongoing contributions set up outside of payroll, you will also need to turn those off.

Important: If you do not liquidate your investments HSA Bank will do this for you. If you do not turn off automatic investing, your balance will not transfer.