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How to Bridge the Employee Benefits Gap

Lively · February 1, 2018 · 3 min read


No matter if you are a small company of 10 or a large corporation with 1000’s of employees, benefits are at the heart of your employee culture and retention. Understanding how to bridge the employee benefits gap can help you find low-cost and high-return solutions to round out your benefits packages.

The one size fits all benefits strategy has long since been replaced. Employees expect benefits that are tailored to their personal needs, and within their financial limits. Employers are pigeonholed with the requirement of offering more benefits at lower costs. Employers are faced with the difficulty of increased benefits costs. On top of that, managing more benefits providers increases time commitments and payroll complexity.

Employer Benefits Requirement

Finding benefits solutions that reduce complexity save employers time and money. Finding benefits solutions that meet these requirements and are flexible, further narrows the list.

As the cost of benefits increase each year (you already know this, but it is important to call out), you are faced with what at times seems like an impossible challenge – better benefits at lower costs. This balance can be outlined with these mandatory requirements:

  • Benefits must improve employees productivity or create a financial safety net

  • New benefits must be low-cost

  • New benefits must integrate with existing systems

These requirements ensure you increase productivity, at low costs and keep from avoiding a new time suck.

The HSA Solution

As more and more employers offer high deductible health plans, with over 30% employee participation in 2016, there is a need to offset higher out-of-pocket healthcare costs. With this shift in employer-offered health insurance, employees are trying to balance higher (and less predictable) financial burdens. When it comes to healthcare, an HSA can bridge the employee benefits gap.

Use an HSA to lower the cost burden for eligible employees by creating triple-tax savings (contributions, investments, and deductions). Not only does an HSA provide tax savings, but it also creates a fully automated savings opportunity. With an HSA, employees can save for today and invest for tomorrow. HSAs provide the health financial safety net employees need.

Modern HSA providers, like Lively, have removed the overhead of legacy providers and created a 100% paperless and digital HSA experience. This creates low-cost pricing and easy to set up HSA payroll integrations.

This HSA model meets the benefits requirements outlined above to save you time, money and increase overall employee satisfaction. Now only if we could get the rest of the healthcare space to follow suit!



Lively is the modern HSA experience built for—and by—those seeking stability in the ever-shifting healthcare landscape. By harnessing modern innovation and deep industry expertise, Lively is committed to bridging today’s savings with tomorrow’s unknowns. Unlike traditional institutions hindered by bureaucracy, Lively’s commitment extends beyond initial set up to providing dedicated, ongoing support and education for every step. So each HSA can reach its maximum potential with minimal headache.

piggy bank on pink background


2024 and 2025 HSA Maximum Contribution Limits

Lively · May 9, 2024 · 3 min read

On May 9, 2024 the Internal Revenue Service announced the HSA contribution limits for 2025. For 2025 HSA-eligible account holders are allowed to contribute: $4,300 for individual coverage and $8,500 for family coverage. If you are 55 years or older, you’re still eligible to contribute an extra $1,000 catch-up contribution.

comparing hsa versus fsa


What is the Difference Between a Flexible Spending Account and a Health Savings Account?

Lauren Hargrave · February 9, 2024 · 12 min read

A Health Savings Account (HSA) and Healthcare Flexible Spending Account (FSA) provide up to 30% savings on out-of-pocket healthcare expenses. That’s good news. Except you can’t contribute to an HSA and Healthcare FSA at the same time. So what if your employer offers both benefits? How do you choose which account type is best for you? Let’s explore the advantages of each to help you decide which wins in HSA vs FSA.

Benefits of HSA employer matching

Health Savings Accounts

Ways Health Savings Account Matching Benefits Employers

Lauren Hargrave · October 13, 2023 · 7 min read

Employers need employees to adopt and engage with their benefits and one way to encourage employees to adopt and contribute to (i.e. engage with) an HSA, is for employers to match employees’ contributions.

Disclaimer: the content presented in this article are for informational purposes only, and is not, and must not be considered tax, investment, legal, accounting or financial planning advice, nor a recommendation as to a specific course of action. Investors should consult all available information, including fund prospectuses, and consult with appropriate tax, investment, accounting, legal, and accounting professionals, as appropriate, before making any investment or utilizing any financial planning strategy.



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