ACTION

DETAILS

Activate your Fidelity HSA

Early June 2026

You will receive communications from Fidelity once your HSA has been opened. Log in to NetBenefits^® at netbenefits.com/EMORY and activate your Fidelity HSA. If you already have a username and password for another Fidelity account, including your Emory Retirement Plans, use that same login information to access your HSA account. Otherwise, select “Register as a new user.” 

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 Emory HSA, and you may continue to use your current debit card.

Elect the group transfer

June 8 – June 22, 2026

If you want to take advantage of the group transfer election window to transfer your Inspira HSA balance to Fidelity with no fees, you will need to provide consent on netbenefits.com/EMORY for Inspira to move your HSA balance to Fidelity.

• If you elect to participate in the group transfer, you will not be subject to transfer, account closure or monthly administrative fees with Inspira.
• If you miss the window for the group transfer, you can still elect to transfer your Inspira HSA balance to a Fidelity HSA. You can initiate the individual transfer process beginning in July 2026 by filling out an online transfer of assets form at Fidelity. Please note: Inspira will charge a $25 fee for an individual transfer, and 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.

Choose investments for your HSA

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 Inspira 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/EMORY. 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 Inspira HSA will not be transferred to your Fidelity HSA. After your Fidelity HSA is activated, visit netbenefits.com/EMORY. 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 Monday, July  27, 2026

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 Inspira at www.inspirafinancial.com or by calling 844-729-3539.

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 and turn off automatic investing Inspira will do this for you.