Certain assets held in Lively Health Savings Accounts (HSA) are eligible for NCUA or FDIC pass through insurance if the applicable conditions are met. Where your HSA funds are deposited will determine which type of pass-through insurance your account is eligible for. This information was presented at the time you signed up, but you can reference your HSA monthly statements, located in the documents section of your Lively account or contact us at firstname.lastname@example.org or 1-888-576-4837 to know where your assets are held and for more specific information. In order for HSA funds deposited at FDIC insured financial institutions, to receive the benefit of passthrough insurance, there are several requirements. Specifically, the account, which your funds are held in, must be titled in a specific way, Lively must keep specific records of your account activity, and the HSA account holder must own the funds. Lively satisfies each of these requirements. The account the HSA funds are deposited into is titled in a way that identifies that the funds are held for the benefit of the user. Lively provides its users a monthly HSA statement, which satisfies the record keeping requirements. Finally, the HSA account holder who owns the funds in the account has full control on how to spend and invest those funds. HSA funds held at NCUA insured financial institutions must meet the above criteria. In addition to these requirements, the HSA user must also be eligible to be a member of the credit union that offers the NCUA insurance.