At first I was extremely annoyed with the multiple communication attempts made to clarify which claim documents I needed for my FSA expenses. A woman by the name of Margaret called and reached out... See more
Company replied
While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more
To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more
Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
Dealing with Inspira was very challenging at first. Kept asking me for employer name and couldn’t tell me which employer the IRA was from. I had to wait several days to gain access to my account onlin... See more
Company replied
Been with them for 3 years never had problems with them about processing deposits but this year my deposits have been pending since Jan 5th what is going spoke to customer services said it could take... See more
Company replied
Literally they don’t know how to solve problems. I have the money and I can’t spend because they are not connecting it to my FSA debt card. I already contacted them several times and nothing was don... See more
Company replied
Company details
Written by the company
Inspira Financial, formerly Millennium Trust Company and PayFlex, provides health, wealth, retirement, and benefits solutions that strengthen and simplify the health and wealth journey. We've worked with thousands of employers, plan sponsors, recordkeepers, third-party administrators (TPAs), and other institutional partners — helping the people they care about plan, save, and invest for a brighter future. We’re relentlessly pursuing better outcomes for all with our automatic rollover IRA services, alternative assets, health savings accounts (HSA), flexible spending accounts (FSA), commuter benefits, emergency savings funds (ESF), and more.
Contact info
United States
- inspirafinancial.com
3.7
Average
65K reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
At Trustpilot, it's all about human content. This business can also access our AI-assisted response tool which helps them draft replies.
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
Poor customer service
Poor customer service
Inspira holds several of my alternative investments (since they acquired the company that I originally signed up with). They are slow to process everything and their customer service is typically clueless. I need to call many times to get them to do anything. I would look elsewhere for a self directed IRA.
March 31, 2026
Unprompted review
Reply from Inspira Financial
Hi Michael, we're sorry to hear you're having trouble with your account. A member of our team will be reaching out to offer further assistance.
Dealing with their process is difficult
Dealing with their process is difficult
I constantly have to send and resend documentation to prove I am paying for medical expenses. They do not accept the receipts so I send EOBs and still get push back. I have called and been told I sent the correct documentation all to be challenged again.
March 31, 2026
Unprompted review
Reply from Inspira Financial
Hi Ashlie, thank you for reaching out. A member of our team will contact you to ensure you’ve received the support you need and to answer any questions you may have.
They have the worst customer service I…
They have the worst customer service I have seen. I have submitted my receipt from the doctor 6 times finally I got a letter from the doctor to send them. They have yet to resolve this on going issue. Tomorrow I’m going to my HR payroll department and letting them handle it. I’m fed up and done
March 26, 2026
Unprompted review
Reply from Inspira Financial
Hi Tammy, we're sorry you're having trouble with documentation submitted. We'd like to review your account and assist you with this, but we're unable to locate your account. If more assistance is needed, please email us at correspondence@inspirafinancial.com with the accountholder's name and account type. A member of our team will be happy to help!
Breathtakingly inefficient
Breathtakingly inefficient. Trying to transfer funds from inspira to fidelity is like prying teeth from a toddler. Fidelity customer service is a breath of fresh air on a nice spring day whereas Inspira is hot weeks old garbage. It’s honestly impressive that Inspira is still in business
March 25, 2026
Unprompted review
Reply from Inspira Financial
Hi Nicholas, we're sorry to hear your experience has been less than satisfactory. We'd like to help you with your account, but we're unable to locate an account with the information provided here. Please email us at correspondence@inspirafinancial.com with the accountholder's name and account type. Our team is happy to help!
HOOOORRRIIIIBBLE
HOOOORRRIIIIBBLE! I needed my investment due to an emergency. I requested it two weeks before I turned 59 1/2 because of the emergency, knowing I will have a penelty next year. The check was "supposedly" sent out on 3/2/2026, here we are on 3/25/2026, and still no check. I feel at this point I am being played. Very unprofessional staff. They told me I would have to wait a month for the mail to run, told me to call the post office to find my check, they can't help if the post office made a human error. WHAT? Be afraid, be very afraid of this company holding your investments.
March 25, 2026
Unprompted review
Reply from Inspira Financial
Hi JoAnn, we're very sorry this has been your experience! A member of our team will reach out to further assist you with these concerns.
It is just not worth the hassle!!!!
It is just not worth the hassle! I will not be getting back into the Inspira FSA for the USPS. You could not pay me the amount of money saved in taxes to navigate the awful platform again. Just horrendous. They deny claims constantly. The card freezes constantly. Slow reimbursements. They ask for additional documentation constantly. We are on the phone constantly. The app is difficult and in no way user friendly. Navigating the phone help is bad. I have doubts that I will be able to use up my FSA savings before I lose the money because this company makes it so freaking hard to use MY money!!! If I could, I would STOP paying biweekly into this FSA, get my money out, and pay the taxes.
March 23, 2026
Unprompted review
Reply from Inspira Financial
Hi David, we're sorry to learn of the troubles you've encountered as we've administered your account. That certainly isn't the experience that should be expected for our accountholders.
If you email us at correspondence@inspirafinancial.com with the your full name, along with the name of the employer who sponsors the plan, we will be happy to coordinate a call with one of our senior team leads to provide any assistance you may still require.
Inspira is an absolute joke
Inspira is an absolute joke
Can't even login without resetting password every single time. Stupid glitches and you have to go through 17 links to get to the customer service robot. Not to mention the app redirects you to the website anyways. What is the point. 0 stars will never ever use again.
March 19, 2026
Unprompted review
Reply from Inspira Financial
Hi LS Goat, we apologize you're experiencing an issue with accessing your online account. We'd like to assist with this, but we cannot locate an account for you with the information provided here. If you would like more assistance, please email us at correspondence@inspirafinancial.com with the accountholder's name and account type.
A definition of Scam artist
A definition of Scam artist. Shame on you.
Making it so god damn hard to withdraw my own freaking money , charge fee for making my life hard, basically making it so hard to withdraw and help my money to help yourself. I mean why not, it is interest free and charge ME money and borrow it for free. Why not making it harder. Shame. Shame.
March 19, 2026
Unprompted review
Reply from Inspira Financial
Hi Ina, we're very sorry you're having trouble withdrawing your funds. We'd like to help you with your account, but we're unable to locate your account with only the first name. If you would like more assistance, please email us at correspondence@inspirafinancial.com with the accountholder's name and account type.
The most useless customer service I've…
The most useless customer service I've ever experienced to the point I moved all my money out of there just to avoid working with them ever again. Auto-generated responses without ever actually reading your message on what you need help with.
Edit: if you look up other reviews online a very accurate one someone posted on reddit is "Inspira is where retirement funds go to die"
March 18, 2026
Unprompted review
Reply from Inspira Financial
Hello Emily Lu,
Thank you for contacting Inspira Financial through Trustpilot and for sharing your experience.
At this time, we are unable to locate your account using the information provided. To better assist you, please email your account details to correspondence@inspirafinancial.com. Once we receive this information, a member of our team will review your request and reach out to provide assistance.
We apologize for any inconvenience and appreciate your patience.
Warm regards,
Social Media Team
Inspira Financial
Awful company Bri/Inspira/First Dollar
Awful company Bri/Inspira/First Dollar. No warning to increase fee from $0 to $25 on trustee-to-trustee transfer even when keeping the account open. .01% interest rate on HSA accounts. Horrible customer service. Refused to transfer call to a supervisor. Supervisor informed me change was made in November and they don't have to notify customers of changes because terms of use say they can make changes any time. Make it difficult and nearly impossible to find free schedule on website. You have to leave BRI and go to Inspira and First Dollar in order to look for the fee schedule, then it only give 3 items.
March 16, 2026
Unprompted review
Reply from Inspira Financial
Hi Wendy, thank you for taking the time to provide us with your feedback and we’re deeply sorry for the troubles you’ve experienced as we’ve administered your account. We would love to offer further assistance, but we were unable to locate your specific account with only your name.
Please email us at correspondence@inspirafinancial.com with the accountholder's name, along with the name of the employer who sponsors the plan. A member of our team will be in contact.
Worst HSA Administrator Around
I've been with a number of HSA administrators during my career (Fidelity, Aetna, HealthEquity, Optum Bank) and they are hands down the worst. They don't keep forms (such as deposit cover letters) on their website, insisting that you call in for them. They then tell you that an "internal team" must generate the form, which takes over a week. They are also incompetent when it comes to mailing out new debit cards, delaying the process as long as possible and then making up excuses like "local mail holds." If you have any ability to avoid them or to recommend to your employer not to use them, do it.
March 4, 2026
Unprompted review
Reply from Inspira Financial
Hello Pat Deering,
Thank you for contacting Inspira Financial through Trustpilot and for sharing your experience.
At this time, we are unable to locate your account using the information provided. To better assist you, please email your account details along with the account holder’s name to correspondence@inspirafinancial.com. Once we receive this information, a member of our team will review your request and reach out to provide assistance.
We apologize for any inconvenience and appreciate your patience.
Warm regards,
Social Media Team
Inspira Financial
Inspira Financial FSA is either…
Inspira Financial FSA is either comically poorly designed, clunky and user unfriendly OR it is designed to help corrupt companies steal money from employees through bureacratic obstructionism. This company is really good at making it hard, if not impossible, for you to use your own money. If you are at a company that uses their FSA, it is probably because the bean counters there are trying to justify their salaries (forget the fact that they are wasting the time of their own employees and ultimately stealing their pay).
March 11, 2026
Unprompted review
Reply from Inspira Financial
Hello David Bain,
Thank you for contacting Inspira Financial through Trustpilot and for sharing your experience.
At this time, we are unable to locate your account using the information provided. To better assist you, please email your account details along with the account holder’s name to correspondence@inspirafinancial.com. Once we receive this information, a member of our team will review your request and reach out to provide assistance.
We apologize for any inconvenience and appreciate your patience.
Warm regards,
Social Media Team
Inspira Financial
Horrendous customer serfice
It is almost impossible to contact customer service. Hunting down a phone number takes time. No one responds to their online requests for contact. Horrendous. Daniel L. Maher
March 11, 2026
Unprompted review
Reply from Inspira Financial
Hi Daniel, we're sorry your experience was less than satisfactory. We'd like to resolve your concerns, but we cannot locate an account with the information you provided. Please email us at correspondence@inspirafinancial.com with the accountholder's name and account type. We'll be more than happy to assist you. Social Media Team
I’ve spoken to 6 representatives and I…
I’ve spoken to 6 representatives and I still don’t have access to my account .. it’s a waste of time and stressful!
March 9, 2026
Unprompted review
Reply from Inspira Financial
Hi Crystal, thank you for taking the time to provide us with your feedback and we’re deeply sorry for the troubles you’ve had contacting us. We would love to offer further assistance, but we were unable to locate your specific account with only your name.
Please email us at correspondence@inspirafinancial.com with the accountholder's name, plan type, and the name of the employer who sponsors the plan. A member of our team will be in contact.
If I can give zero stars I would
If I can give zero stars I would. This company is impossible to access and they do not provide any service or assistance. Wait time is endless and verification is impossible. Almost like a scam. I really want to sue this company and my old company for giving them my money they are slowly draining every month.
March 5, 2026
Unprompted review
Reply from Inspira Financial
Hi Erry, we're sorry for the experience you've brought to our attention. We'd like to assist, however, we're unable to locate an account with the information provided. If more assistance is needed, please email us at correspondence@inspirafinancial.com with the accountholder's name and account type. We're more than happy to assist!
Awful, irritating "verification"
The biggest thing is the absolutely absurd verification steps.
It's annoying and irritating enough for me to give it a one star.
March 5, 2026
Unprompted review
Reply from Inspira Financial
Hello Elijah Olson,
Thank you for contacting Inspira Financial through the Trust Pilot.
A representative from Inspira Financial will be reaching out to you shortly to assist you and address your concerns. We apologize for any inconvenience this matter may have caused and appreciate your patience as we work toward a resolution.
Warm regards,
Inspira Financial
Useless organization
Useless organization. No customer services. Antiquated communication with other intermediaries. They deserve no stars.
February 10, 2026
Unprompted review
Reply from Inspira Financial
Hi Thomas, thank you for sharing your feedback with us. We’re sorry to hear you’re experiencing issues with your account. A member of our team will be reaching out shortly to assist you and address your concerns.
My dividend from a roleover is $6 for…
My dividend from a roleover is $6 for 2025, Annual Maintenance fee is $20, Annual Paper statement fee is $10, and Account Closing fee is $25. Over all I am negative $49...
March 3, 2026
Unprompted review
Reply from Inspira Financial
Hi Dean, we appreciate you sharing your feedback about your experience. We’d like to review your account and assist you further. At this time, we’re unable to locate an account under the information provided. If you’d like additional support, please email your account details to correspondence@inspirafinancial.com, and our team will be happy to help.
This group sends aggressive letters for…
This group sends aggressive letters for legitimate FSA purchases and then provides inaccurate directions for how to upload documents. The phone app does not allow upload of photos of receipts. Very unhelpful company especially when dealing with health related expenses.
February 28, 2026
Unprompted review
Reply from Inspira Financial
Hi TS, we appreciate the feedback about your experience! We'd like to help you with your FSA, but we cannot find an account with only your initials. If more assistance is needed, please email us at correspondence@inspirafinanical.com with the accountholder's name and account type.
Worst experience ever
Worst experience ever!
My wife has HSA with Inspira through her employer. She over-contributed, and chasing their support for the last three months. Every time a new support person joins, and "RESOLVES" the issue for nothing.
February 27, 2026
Unprompted review
Reply from Inspira Financial
Hi Manash, we're very sorry to hear you're experiencing this issue! We cannot find an account with the information provided here. Please have the accountholder email us at correspondence@inspirafinanical.com with their name and account type. Our Executive Response Team would love to help!
The Trustpilot Experience
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.
Learn more about other kinds of reviews.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people are writing the reviews you read on Trustpilot.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.