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How to Survive Open Enrollment

Lively · October 14, 2021 · 3 min read

Open Enrollment Survival Guide

For both benefits brokers and employers, getting open enrollment right is critical. The right benefits mix can make the difference between retaining employees and losing them, and happy employees and disengaged ones. In fact, twenty percent of employees rank health care coverage as the number one benefit for staying at a job and for sixteen percent it is their number one reason for switching jobs, according to Lively’s Wellness and Wealth report. In addition, employee turnover is expensive — by some estimates it can cost six-to-nine months of an employee's salary to replace them, including hiring, onboarding time, and lost productivity.

Employees need a range of options for financial and healthcare coverage to prepare for the unexpected now more than ever, but the pandemic has placed unprecedented pressure on their time and attention spans. According to PlanSource, on average, employees spend 18 minutes enrolling in benefits each year, and that’s without factoring in the effects of the pandemic. As open enrollment approaches for many, employers and brokers must take a strategic approach to open enrollment to ensure their clients and employees receive the information they need to make the best decisions for their health.

Overall, open enrollment is an opportunity for brokers and employers to work together to empower employees to take control of their health and financial wellness. Benefits that meet employee needs support employee retention, productivity, and your company’s bottom line.

During open enrollment ensure you:

  • Offer benefits that serve as a resource to empower employees to plan and save during uncertain times

  • Plan for communications in multiple formats before, during, and after open enrollment

  • Guide employees to select offerings that meet their needs and are cost effective for you

Lively has gathered a range of resources to help you ensure success before, during, and after open enrollment. Our webinar on successfully navigating open enrollment offers advice from benefits industry experts on how to offer better benefits and capture employees’ attention when they have less of it to give.

In addition, Lively’s Open Enrollment Survival Guide shares best practices to help brokers, employers, and benefits administrators streamline their open enrollment process. The proven strategies to:

  • Ensure your benefits offerings maximize employee savings and choice

  • Plan for open enrollment, whether it is online, in-person, or a hybrid

  • Communicate effectively before, during, and after open enrollment

The advice in this guide empowers employers, brokers, and employees to get the most out of open enrollment and confidently embrace a healthy future.

Download the guide now.



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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