Individual HSA Features

Lively HSA features, all in one place

Yes. The Lively Smart Stacked Card chooses the correct balance for every purchase automatically. At checkout, whether you tap a physical card or pay through a mobile wallet, it draws from your accounts in IRS-compliant order, so you never have to select which account to use or worry about paying from the wrong one.

Yes. The Lively Smart Stacked Card works as a physical card or inside a mobile wallet like Apple Pay, Google Pay, or Samsung Wallet. Add it once and pay for qualified medical expenses straight from your phone, with the same automatic account selection you get in person.

Yes. Your Lively card and dashboard keep you in control of every transaction. You can monitor spending in real time, and if your card is ever lost or you simply want to pause it, the Lively AI Benefits Assistant can lock and unlock it for you on the spot, with no phone call required.

Yes. Smart Claim Submission lets you capture a receipt with your phone camera, and Lively does the rest. It reads the line items, fills in the reimbursement form for you, and separates eligible expenses from ineligible ones on the same receipt. Anything complex is reviewed by a specialist, and Lively never auto-rejects a claim.

Yes. Claim Sync securely connects your health insurance plan to your Lively dashboard and pulls your claims data in real time, filling in expense details for you. It works with 95% or more of U.S. health plans, including a spouse's plan, so you can skip paper receipt uploads entirely.

Yes. Eligibility Guidance checks a purchase against current IRS rules before you spend, so you're never guessing at the register. It tells you whether an expense qualifies for your Lively HSA up front, helping you avoid ineligible charges and the paperwork that comes with them.

Yes. The Reimbursable Bank feature links your Lively HSA to an outside checking or savings account. When you pay for care out of pocket, you can pay yourself back right away, or save the receipt digitally and withdraw the funds tax-free later, on your own timeline.

Yes. Two built-in tools work in the background for you. Expense Scout scans the outside bank accounts and cards you connect, flags healthcare purchases you paid out of pocket, and surfaces them in your dashboard so you can reimburse yourself tax-free for expenses you may have forgotten. Deductible Tracker syncs with your high-deductible health plan and updates in real time, showing your progress toward your in-network and out-of-network deductibles and out-of-pocket maximums in one view.

Yes. The Lively AI Benefits Assistant lives inside your dashboard and mobile app, available any hour. It keeps your full account context and carries out tasks directly, including locking your card, updating dependents, checking whether an expense is eligible, and more, so you can get things done by asking instead of digging through settings.

Yes. A Lively HSA protects your personal and financial data with HIPAA-compliant security, mandatory two-factor authentication (2FA), and AES-256 encryption, whether your information is stored or being sent. And if you ever need help, we offer phone and chat support in over 240 languages, translated guides, and a full mobile app experience in Spanish.