Shobin Uralil

Shobin Uralil is the COO and Co-Founder of Lively. Lively is a modern Health Savings Account (HSA) platform for employers and individuals. A 401(k) for healthcare. Lively HSAs works alongside high deductible health plans to make healthcare easier for everyone.


Articles by Shobin Uralil

Health Savings Accounts

2019 HSA Spend Report

HSA Users are Spending, Not Saving. The majority of HSA contributions are spent on routine healthcare visits, but show a shift toward online retailers and digital health experiences

3 min read

Health Savings Accounts

How much should I put into my HSA?

The name of a health savings account, on its face, tells you what it’s meant for: saving money for health expenses. The balance of an HSA can be used at any time, to pay for qualified medical expenses. But there’s more to the picture than that.

6 min read

Health Savings Accounts

Guide to HSA Withdrawals

To use an HSA you have to have a high-deductible health plan, or HDHP, which can be obtained through your employer, a private insurer or the healthcare marketplace during open enrollment. Assuming you’re eligible, health savings accounts are truly a great deal when the money is used for eligible expenses.

7 min read

Health Savings Accounts

Lively’s Free HSA Account: Voted Top HSA Provider by Morningstar

There are numerous banks, insurance companies, credit unions and financial institutions where you can open an HSA account. When looking to open an HSA, you want to look for a free, federally-insured HSA account, which will give you optimum flexibility to invest and grow your balance.

12 min read

Health Savings Accounts

The Last Month Rule: Everything You Need to Know

“Under the last-month rule, you are considered to be an eligible individual for the entire year if you are an eligible individual on the first day of the last month of your tax year (December 1 for most taxpayers). If you meet these requirements, you are an eligible individual even if your spouse has non-HDHP family coverage, provided your spouse’s coverage doesn’t cover you.” What exactly does this mean?

6 min read

Health Savings Accounts

How to Rollover Your HSA Funds

While the term “rollover” is often used when commanding your dog to do a cute trick or trying to get out of bed, it’s also used in the financial world as a way for you to move funds from one custodian to another.

7 min read