Transparent HSA pricing. Zero hidden fees.
Per Employee Per Month (PEPM) (A monthly minimum of $50 may apply)
Streamline HSA administration for less.
Intuitive dashboard administration
Effortless contribution management
Personalized investment options
* The financial institution where your funds are deposited is determined at Lively's discretion. Lively partners with financial institutions in order to provide its products. These financial institutions are FDIC or NCUA insured and your HSA account may be eligible for pass through insurance. Click here to learn more. Please contact Lively for more detailed information.
HSA Interest Rates and Fees
Interest is paid on cash balances within your Lively HSA. The annual percentage yield (APY) can be found here.
We believe in transparent, affordable pricing. Here is an overview of our fees for account holders.
Account Opening Fee
Account Closing Fee
Funds Transfer (Out/In) Fee
Debit Cards (Up to 3)
Excess Contribution Fee
Point of Sale Fee
Minimum Balance Fee
Access to Schwab Health Savings Brokerage Account (optional)
$24 annual fee or $3,000 minimum balance
Access to HSA Guided Portfolio (optional)
Free for individuals and families with personalized investment options. Simple pricing for employers with no hidden fees.
All HSA cash balance accounts are insured and interest-bearing, and have access to our unparalleled customer service.
Our user-friendly software allows you to streamline how you invest in your health.
* Your HSA cash balance is safely held and insured for up to $250,000 by our financial institution partners. The financial institution where your funds are deposited is determined at Lively's discretion.
Invest your HSA funds
Choose from two industry-leading investment solutions: Schwab Health Savings Brokerage Account from Charles Schwab and HSA Guided Portfolio from Devenir.
Control when and how to invest with different investment access options
Fund with one-time, sweep, or recurring transfers
Monitor from the convenience of your Lively dashboard
Frequently Asked Questions (FAQ)
Can I open an HSA with Lively if I don't want to invest?
Yes, investments are 100% optional.
Is there a fee to add investments?
Lively offers two ways to invest with our Schwab Health Savings Brokerage Account option: invest anything above $3,000 for no access fee or invest with no minimum requirements after a $24 annual access fee. (Additional fees from Charles Schwab may apply, see details here.)
Lively charges a 0.50% annual management fee for access to investment capabilities through the HSA Guided Portfolio by Devenir, including automated features such as rebalancing. The fee is based on invested assets and debited quarterly. (Additional expense ratio fees may apply, see details here.)
Be sure to consult with a financial planning and/or tax professional as needed to understand your options.
Can I transfer an existing HSA to Lively?
Yes, you can enter information related to a transfer during the enrollment process and at any point after your account is finalized.
My employer lets me pick my own HSA provider. What is the cost?
The cost is $0 for you and your employer. Please note: since we aren’t working with your employer directly, you will be managing contributions through them.
How safe is my money?
Your HSA cash funds are safely held and insured for up to $250,000 by our financial institution partners. The financial institution where your funds are deposited is determined at Lively's discretion.