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3 Steps to Maximize Your HSA Savings

Lively · August 2, 2017 · 2 min read


HSAs are a great way to create long-term savings that you can use today, tomorrow and for years to come. Here is how to maximize your HSA savings and value.

Automated HSA Contributions

Health savings can be made simple, automated and easy. With automated payroll contributions, once you set it up, there is nothing to worry about. Money is debited from your account every month and added to your HSA. In addition, triple tax advantages (tax-deductible contributions, tax-free interest and tax-free withdrawals (for medical expenses)) mean you can use tax-free money from your HSA to pay for health expenses.

Watch Out For Hidden HSA Fees

Traditional HSA providers hidden fees that are literally stealing from health savings future. Fees like monthly maintenance, debit card or ATM transactions, check processing, copy of statements, legal, account closure, and debit card replacement are common in the industry. These funds are pulling directly from your HSA savings. Over time they can really add up. But don’t worry, if you use Lively, we are 100% cost transparent and don’t believe in nickel and diming our customers.

HSA Investments

According to a recent study, most HSAs are used as a “checking account” for healthcare expenses, much more than an investment tool. Investments provide a great tool to dramatically increase the long term value of your HSA and save for health costs or retirement over the long term. Remeber, after 65 years of age, you can use your health savings account (HSA) money non-health related expenses. It’s just another interest-bearing account similar to your 401k or IRA. Combine that value with accrued compound interest and the value of your HSA can really add up! If you want to see what that this looks like with real dollars, check out our interactive HSA calculator and give it a go for yourself.

If you need more help with HSA decisions, check out our blog. We will make you a healthcare benefits expert in no time, without any extra work or effort on your end.



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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