Best HSA for individuals and companies
Flexible Benefits, Made Easy

Discover our top-rated HSA for consumers and full suite of easy-to-use, flexible employee benefits for businesses and benefit consultants.


Lively FSA Suite
Hassle-free Flexible Spending Account Administration

The Lively FSA suite combines unrivaled customer service and easy-to-use experiences to boost employee adoption and simplify administration.


Best Lifestyle Spending Account
Lifestyle Spending Accounts to Delight Employees

Simple, configurable, employer-funded lifestyle reimbursement accounts that support your culture and recruiting goals.


Best Health Reimbursement Arrangement
Drive Healthcare Flexibility and Savings with an HRA

Experience HRA administration as easy as it should be with Lively HRAs, tailored to drive adoption and savings.


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Loved by account holders, trusted by employers, recommended by brokers

The Lively customer experience raises the bar in the benefit solutions industry, with Lively leading the charge in:

  • Exceptional customer support, with customer satisfaction ratings that are more than 3 times higher than the industry average.*

  • Technology built for today, thoughtfully designed to be easy-to-use and dependable. Plus, we can rapidly update our platforms and personalize employer experiences.

  • Taking the burden off employers, with robust education and resources, crafted to continuously drive usage and adoption for employees.

Explore how our suite of benefits save employers time and money, while driving employee satisfaction.


4 times better

Customer satisfaction is 3-4 times higher than the industry average.*


98% retention

You're in good hands. Lively retains over 98% of the employers that choose us.


$19 million saved

We're not here to nickel and dime you. Lively HSA account holders have saved over $19 million in fees, and counting.

*Based on Net Promoter Score (NPS). NPS is a widely used metric that measures customer satisfaction. Lively's NPS score is three times higher than the industry average of 16-34.

Maximize your healthcare savings and further your financial goals with a Lively HSA.


No hidden fees - ever

Lively HSAs are free for individuals and families, so you never have to worry about hidden costs.


Secure contributions and transfers

Put your money to work with peace of mind: Lively HSAs are FDIC-insured and use bank-grade security.


Support — 
that’s here for you

Responsive, expert support whether you are saving, spending, or investing.


We're top rated on G2

Discover why employers give Lively five stars and read our reviews on G2.

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Ease of access. A great account management team. And having employees be able to easily access their HSA money when they need it


Erin Poggi

Benefits Manager, Francis Howell School District

Transparent HSA pricing. Zero hidden fees.



Simple, transparent HSA pricing at last.

  • Free for individuals & families

  • HSA cash balance is insured and interest bearing*

  • Choose when and how to invest (optional - additional fee may apply)



Per Employee Per Month (PEPM) (A monthly minimum of $50 may apply)

Streamline HSA administration for less.

  • Intuitive dashboard administration

  • Effortless contribution management

  • Personalized investment options

* Lively is not an FDIC or NCUA insured financial institution. Lively partners with financial institutions in order to provide its products. These financial institutions are FDIC or NCUA insured and your HSA account may be eligible for pass through insurance. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Please contact Lively for more detailed information.


Learn about the benefits that 81% of HR leaders are adding or improving this year

Lively's 2024 Employee Benefits Market Check report highlights what really matters when choosing employee benefits.

Lively’s new Employee Benefits Market Check report gathers insight and data from 250 benefits decision makers and provides vital market insight in advance of benefits selection for 2025. It will enable you to better understand how to meet your peoples’ needs, what to look for in a benefits provider, and what matters most to your employees.

Insights in the report include:

  • The most common benefits companies are adding or improving this year.

  • The key drivers of benefits decision making, including renewing with or choosing new providers.

  • The most valuable qualities a benefits provider can offer, and where they are falling short.

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Why HR leaders insist on including HSAs in their benefits package



Your guide to Lifestyle Spending Accounts



See how you can choose the right health plan for you


Contact our sales team

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Frequently Asked Questions (FAQ)

Am I eligible to open an HSA?

You are eligible to open a Health Savings Account if you are:

  • Covered under an HSA-eligible High Deductible Health Plan

  • Not enrolled in Medicare

  • Not enrolled in a Healthcare/General Purpose Flexible Spending Account

  • You're not covered by any other secondary health insurance plan

  • Cannot be claimed as a dependent on someone else’s tax return

Lively is the flexible benefits solutions provider that gets it right. We designed our solutions to take the guesswork out of managing benefits and our innovative features are built to simplify benefits administration and evolve with your business. By combining robust features with unparalleled service, we make benefits administration effortless, even when time and energy are limited. Experience benefits administration as it should be with Lively. Lively currently offers HSA, FSA, HRA, COBRA, Direct Bill, Lifestyle Spending Accounts, and Medical Travel Accounts.

Flexible benefits are saving and spending accounts, and other perks like paid time-off that are offered by employers and are optional for employees to participate in. These benefits can be pre- or post- tax contribution accounts and non-monetary benefits like professional development and wellness initiatives. By offering flexible benefits, employers empower employees to customize their benefits package in a way that best meets their unique needs and goals. Flexible benefits can also help improve employers' recruitment and retention efforts and improve employee engagement.

Lively currently offers Health Savings Accounts (HSA)  for individuals and employer groups and employer-sponsored savings and spending accounts, including Flexible Spending Accounts (FSA), Lifestyle Spending Accounts (LSA), Health Reimbursement Arrangements (HRA), Medical Travel Accounts (MTA), and COBRA and Direct Bill.

Lively was built to create a better, easier-to-use benefits experience and save our account holders and administrators time and money. Our unparalleled, responsive, knowledgeable customer service and account holder education, innovative features, and technology built in-house enables easy set up and simple administration. Our customer satisfaction rating (NPS) is nearly triple the industry average and we’re the fastest growing HSA-provider in the market. Our solutions are simple, trusted, and reliable. In short, they just work.