Emory HSA | Key Dates

Review the important key dates for the Health Savings Account (HSA) below to be prepared for the transition to Fidelity.

DATE	WHAT’S HAPPENING
Early June 2026	After your account is open, you will receive communications from Fidelity Investments^® outlining the steps to activate your Fidelity HSA through netbenefits.com/EMORY. This will help ensure that you have access to all features of your Fidelity HSA, such as choosing investments, designating beneficiaries and ordering additional debit cards. For any inquiries regarding your Fidelity HSA^®, please call Fidelity at (800) 544-3716 or log in to netbenefits.com/EMORY.
June 8 – June 22, 2026	Elect to participate in an optional one-time group transfer of your HSA balance at Inspira to Fidelity. Elections will be made on netbenefits.com/EMORY. If you do not elect to participate in the group transfer: Inspira will deduct an administrative fee of $5 per month from your account. Inspira will charge a $25 fee for an individual transfer at a later date and the process can take six to eight weeks to complete.
Mid-June 2026	Your new debit card is expected to ship to your home address on file (if you promptly activated your HSA).
July 2026	Your contributions will be deposited into your Fidelity HSA, beginning in July 2026.
Monday, July 27, 2026 by 4 p.m. Eastern Time	If you select the group transfer, you must liquidate any HSA investments and turn off any automatic investing at Inspira at www.inspirafinancial.com or by calling 844-729-3539 Monday through Friday, 7 a.m. to 7 p.m. CT, and Saturday, 9 a.m. to 2 p.m. CT. Important: If you do not liquidate your investments and turn off automatic investing, Inspira will do this for you.
Monday, August 3, 2026	The group transfer blackout period begins. If you consented to have your Inspira balance moved as part of the group transfer, you will no longer have access to your Inspira HSA. Be sure to consider any transactions you may want to make with your Inspira account before August 3, 2026. You can use your debit card from Fidelity to pay for qualified medical expenses with any funds that are already in your Fidelity HSA during the group transfer blackout period. If you do not have enough funds in your Fidelity HSA to cover an expense, you can pay the expense out of pocket, save your receipt and submit for reimbursement after the group transfer blackout period is completed during the week of August 28, 2026. Important: Please do not use your Inspira HSA debit card during the blackout period as the charge will be declined.
August 28th, 2026	The group transfer blackout period is expected to be complete, and your Inspira HSA balance will be available in your Fidelity HSA. A notification will be sent to your email address once the transfer is complete and you have access to your funds. This group transfer will not be considered a taxable event and will not be reported to the IRS, though you are encouraged to review applicable rules for your state and consult with a tax advisor.
Beginning September 2026	If you do not choose to transfer your Inspira balance to Fidelity, Inspira will deduct an administrative fee of $5 per month from your account.