Individuals

$ 0

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.

Employers

$ 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

    0.25%

  • $2,500-$4,999

    0.35%

  • $5,000-$14,999

    0.45%

  • $15,000+

    0.60%

HSA Fees

We believe in transparency and offer affordable pricing. Here is our fee schedule.

  • Monthly Maintenance

    $0

  • Account Opening Fee

    $0

  • Account Closing Fee

    $0

  • Funds Transfer (Out/In) Fee

    $0

  • Debit Cards (Up to 3)

    $0

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Affordable

Free for individuals & families. $2.95 per month per employee for employers. No fees to add investments.

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Trusted

All HSA accounts are FDIC insured and receive access to stellar customer service.

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Intuitive

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?

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Yes, investments are 100% optional.

Is there a fee to add investments?

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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?

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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?

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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?

Green Arrow

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.

Ready to get started?

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

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