Simple and Affordable Pricing

Benefits are complicated enough. Never be surprised by hidden fees.

Transparent HSA pricing. Zero hidden fees.



Simple, transparent HSA pricing at last.

  • Free for individuals & families

  • HSA cash balance is insured and interest bearing*

  • Choose when and how to invest (optional - additional fee may apply)



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

* Lively is not an FDIC or NCUA insured financial institution. 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. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. 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.

Monthly Maintenance


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


Reimbursement Fee


Access to Schwab Health Savings Brokerage Account (optional)

$24 annual fee or $3,000 minimum balance

Access to HSA Guided Portfolio (optional)

0.50% annually



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

Lively HSA Investments Dashboard

Ready to get started?

Sign up for your Lively HSA in just a few minutes.


Frequently Asked Questions (FAQ)

Can I open an HSA with Lively if I don't want to invest?

Yes, investments are 100% optional.

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.

Yes, you can enter information related to a transfer during the enrollment process and at any point after your account is finalized.

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.

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.