Lively's pricing is simple and affordable. Never be surprised by hidden fees.
No annoying monthly fees just to have an HSA.
- Free for individuals & families
- FDIC insured, interest bearing
- Free to access investments (optional)
* FDIC insured through our bank partner, Choice Financial, for so long as funds remain with Choice Financial.
$ 2 .95
Per employee per month
Streamline HSA administration for less.
- Centrally manage contributions
- Automatically sync with payroll
- Offer employees investment options
HSA Interest Rates
Earn interest, no matter what your balance. We offer the best parts of a bank without having to work with one directly. The more you save, the more you earn!
Note: interest rates vary based on tiers of daily balances and are paid on the entire balance. The interest rates and annual percentage yields (APY) may change at any time. Interest will be compounded monthly and credited into your account monthly.
Average Daily Balance
Interest Rate / APY
Less than $2,500
We believe in transparency and offer affordable pricing. Here is our fee schedule.
Account Opening Fee
Account Closing Fee
Funds Transfer (Out/In) Fee
Debit Cards (Up to 3)
Free for individuals & families. $2.95 per month per employee for employers. No fees to add investments.
All HSA accounts are FDIC insured and receive access to stellar customer service.
Our user-friendly software allows you to streamline how you invest in your health.
Invest Your HSA Funds
Invest your Lively HSA Funds with a TD Ameritrade Self-Directed Brokerage Account
Free to access investments for individuals or employees!
No minimum cash balance required.
Full list of TD Ameritrade investment fees.
Set up automatic recurring investment transfers at no cost.
Frequently Asked Questions
Here are some of our frequently asked questions. See All FAQs
Can I open an HSA with Lively if I don't want to invest with TD Ameritrade?
Yes, investments are 100% optional.
Is there a fee to add investments?
No, there’s no fee to invest. Once you add investments you will gain access to TD Ameritrade’s Self-Directed Brokerage platform. Transactional fees may apply. You can see their fee schedule here.
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 sitting in an FDIC-insured account (earning interest) with our bank partner – Choice Financial. Your HSA money is insured for up to $250,000.