In 2027, Hilton HSAs will be held by a new custodial bank, WealthCare Saver. With this new custodial bank, the HSA investment experience is improved.

If you wish to contribute to an HSA in 2027, during Annual Enrollment:

1. Elect an HSA-eligible Bronze medical plan.
2. Select your 2027 HSA contribution amount.
3. Accept the HSA Terms & Conditions.
4. Consent to transfer your existing HSA balance if you want it moved to the new HSA custodial bank.

• Complete the 4 steps above during Annual Enrollment.
• Reestablish your beneficiaries in January once your 

Complete the 4 steps above during Annual Enrollment. Even though you do not have an existing balance, we do need to collect your response.

No transfer action is needed if there is no existing Hilton HSA balance to move. Complete the normal steps required to open your 2027 HSA.

In addition to the 4 Annual Enrollment steps, you must turn off automatic transfers to HSA investments and liquidate all HSA investments by 4pm EST December 21, 2026. These steps are necessary to make your HSA consist only of cash, so that it can be transferred to the new custodial bank.

Liquidating means selling your current HSA investments, so the proceeds return to the cash portion of your HSA before the transfer.

Turning off automatic transfers to HSA investments is required to prevent additional HSA funds from being moved into investments after you liquidate your holdings and before the transfer occurs.

The current investments will not move directly to the new investment platform. The balance must be in cash for the transfer to occur as intended.

Yes. After your funds have transferred and you have at least $1,000 in your new HSA, you may choose from the investment options offered through the new HSA investment experience.

No. After the transfer, you must choose how to invest through the new HSA investment experience.

The pending trade will be processed as long as the liquidation request is completed by 4 p.m. ET on December 21, 2026.

No, but we recommend transferring for the best experience.

• You will have 2 separate debit cards: one for your new HSA account and one for your old HSA account.
• Your 2027 HSA contributions will begin in the new HSA account under the new custodial bank. You will use your existing debit card to access this account.
• Your prior HSA account becomes independently owned by you and not associated with Hilton. You’ll manage that account and pay any monthly administrative fees, and a new HSA debit card will be issued.

No, when you consent to transfer, your entire balance will be moved.

Yes, you can complete an independent transfer at any time using the WealthCare Saver Transfer In form found under Forms and Documents on the Smart-Choice Accounts portal. You will be responsible for the $25 account transfer and closure fee.

Your new HSA opens January 1, 2027.

The transfer blackout period is January 8 through January 14, 2027. During this period, the funds being transferred from your prior HSA will be temporarily unavailable.

Your prior HSA balance is expected to be available in your WealthCare Saver HSA on January 15, 2027.

Any new 2027 HSA contributions will be available on your Smart-Choice Accounts debit card.

Review your account activity and contact customer service if the transferred amount does not match your records.

Investment fees will change from a flat $2.50 monthly fee to a balance-based fee structure ranging from approximately $0.99 to $10 per month, depending on investment selections. Full details on investment fees can be found in the Terms & Conditions.

The expanded HSA investment platform offers three investment paths, so team members can choose the level of support and flexibility that best fits their investing experience

• Managed option: Answer a few profiling questions and have investment selections and rebalancing handled automatically from a curated list of funds.
• Self-directed option: Select your own investments from a curated short list of available fund options.
• Open brokerage option: Research and choose from a broader investment menu, including more than 1,000 ETFs and S&P 500 options.

You can change your investment path later if another option better fits your needs.

The new investment experience will support real-time trades through the website and the mobile app.

Trading remains available Monday through Friday from 9:30 a.m. to 4:00 p.m. ET, with after-hours trades realized when the market opens.

Yes. Fund prospectus and rate-of-return information will remain available for each fund on the Smart-Choice Accounts Portal.

During Annual Enrollment, complete the applicable plan election and contribution steps, accept the Terms & Conditions, and consent to transfer your prior HSA balance. No additional investment action is expected.

Complete all applicable Annual Enrollment and transfer-consent steps. Then turn off automatic investing and liquidate all investments by December 21, 2026. Both your cash balance and the cash proceeds from liquidation can then transfer as intended.

If investments remain after December 21, 2026, the transfer will not occur as intended. Your prior HSA, including the investments, becomes independently owned by you, you will be responsible for ongoing fees, and you will not receive the $50 transfer contribution.

Automatic investment activity could move money back into investments and interfere with the transfer. If the deadline has not passed, turn off automatic investing and verify that no investment balance remains. If the deadline has passed, you will not be able to transfer your HSA.

Your new HSA opens January 1, 2027. Your transferred funds are temporarily unavailable January 8–14, become available January 15, and the $50 contribution is expected by January 31 if you are eligible.

Do not consent to the transfer. If a new Hilton HSA is opened, your prior HSA remains separate and independently owned by you. You will be responsible for applicable fees and will not receive the $50 transfer contribution.

You can complete the normal steps to open a 2027 HSA if you enroll and remain eligible. You will not be eligible for the $50 HSA contribution.

Your prior HSA funds will be unavailable from January 8 through January 14. Plan ahead for expenses during this period. You may pay an expense using another method and request to be reimbursed when the funds are transferred on the Smart-Choice Accounts Portal.

Complete the normal Annual Enrollment steps to open your HSA. Because you do not have an existing Hilton HSA balance, no transfer consent or investment liquidation is required.

Qualified withdrawals made before the transfer do not prevent the remaining balance from transferring. The amount transferred will reflect the balance remaining when the transfer is processed.

Your account will become independently managed by you when you retire or leave Hilton. You will be responsible for any ongoing account management fees and will receive a new debit card and welcome letter.

All HSA investments must be liquidated by December 21, 2026. Any remaining investment balance may prevent the transfer from occurring as intended.

The beneficiary information on file will not be transferred. You will have to add your beneficiaries again to your new HSA on January 1, 2027.