The Lively app is mostly easy to use, but could stand to implement a few upgrades. Namely, the constant request for two factor authorization only allows for one phone number, even if there are two peo... See more
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Review summary
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What people talk about most
Reviews shaping this summary
Truly night and day difference between these guys and the competitor I switched from. The site always works, the support agents always pick up, and they aim to be helpful. Their whole system... See more
Company replied
I got sick and tired of the hassles at HealthEquity and transferred everything to Lively. Glad I did, much better experience. No fees if you keep $3K at Lively instead of Schwab. Note that the... See more
Company replied
One of my most satisfying accomplishments in 2025 is moving to Lively. After being with HSA Bank for 21 years I finally decided to get out due to the deterioration of its customer service to an unbear... See more
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Company details
- #112 of 340 best companies in Software Company
- #14 of 25 best companies in Business Administration Service
- #162 of 247 best companies in Business to Business Service
- #23 of 48 best companies in Investment Service
- #175 of 247 best companies in Non-Bank Financial Service
About Lively
Written by the company
We designed our solutions to take the guesswork out of managing benefits. And our innovative features are grounded in your everyday needs and circumstances.
That’s why our experience is optimized to put you in control at every step. Managing your wellness and wealth takes more than a series of transactions. By combining robust features with unparalleled service, we make benefits effortless, even when your time and energy are limited.
With Lively, maximizing your benefits is as simple as it should be.
Lively is the modern Health Savings Account Provider. Lively helps people prepare for tomorrow by making smart decisions about finances and healthcare today.
Make the most of your healthcare savings while working towards your financial goals.
Lively HSAs are free for individuals and families, so you never have to worry about hidden costs.
Put your money to work with peace of mind: Lively HSAs are FDIC-insured* and use bank-grade security.
Support when you need it. Whether you’re saving, spending, or investing, we’re here when you need us.
Lively Health Savings Account
Written by the company
- A Top-Rated HSA Provider
- Lively strives to provide an efficient way of saving and investing for healthcare. Lively believes no one should have to sacrifice personal health for financial health. That's why we want Lively to be free for individuals & families, with our process being 100% paperless and transparent so that all your savings are always secured and ready to go. Saving more for your health has never been easier than with a Lively HSA.See why our Health Savings Account (HSA) is perfect for investing & saving for your future healthcare.
Lively Health Savings Account
Enjoy the Triple Tax Advantage of having a Health Savings Account
Maximize healthcare savings like a pro. Healthcare is complicated, your HSA doesn’t have to be. Lively is simple and intuitive and is designed to help you get the most out of your HSA. Opening a Lively HSA is free for individuals and families.
Contact info
United States
- livelyme.com
Smarter HSAs. Better benefits for you.
4.5
Excellent
1K reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 95% of negative reviews
Typically replies within 1 week
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
After researching HSA providers, I chose Lively
I did my research about HSA providers and Lively came up on top, and after signing up, I found their website was super easy to use. They make it simple to transition current HSA plans to their platform. I did it all online and never had to speak to anyone, and I successfully transferred two different former HSAs to the Lively platform. I also wanted to invest my excess funds and chose to do that using the Schwab integration. Since I was already a Schwab customer I was curious to see if all my balances would be visible under my single sign-in account, and indeed they were. I’m very happy with the service. Keep it up!
July 30, 2025
Unprompted review
Reply from Lively
Thank you so much for the thoughtful review! We're glad your research led you to Lively and even happier to hear that the transfer process and Schwab integration worked seamlessly for your needs. It’s great to know your experience has been smooth from start to finish. We truly appreciate your support! - Lively team
I applied for an HSA account and then…
I applied for an HSA account and then nothing happened for a week. I contacted lively again and was asked for more information to verify my information, which I provided. I was notified that the process would take 1-2 business days to complete. After another week without any further communication, I contacted lively again. They gave me the same 1-2 day time period. At that point I felt like I might be getting scammed, and told them I would cancel my application and seek another vendor if they couldn’t get my account open by the end of the day. That motivated them to get it done.
My main concern, in addition to the length of time this took, is that there was no communication to me from Lively. That process was very disappointing.
They did send me the promised debit card in the expected time frame and it works,
July 15, 2025
Reply from Lively
Thank you for your review. We’re sorry to hear about your experience during the account setup process.
We understand how important clear communication is — especially when opening an HSA — and we appreciate you sharing your feedback. While we're glad your account was ultimately opened and your debit card arrived on time, we understand the delays and lack of clarity you described were frustrating.
If you ever have questions or need help moving forward, our team is here to support you at support@livelyme.com or 1 (888) 576-4837, Monday–Friday, 6:00am–6:00pm PT. - Lively team
No complaints.
July 18, 2025
Reply from Lively
Thank you for your review! We’re glad to know things have been going smoothly with your Lively experience. Thank you for choosing Lively!
- Lively team
Reply from Lively
Thanks for sharing your feedback. We're sorry to hear the sign-in process has been unclear. We’re always working to improve the user experience, and comments like yours help us identify areas where we can do better. If you ever have any trouble logging in, our team is here to help at support@livelyme.com or 1 (888) 576-4837, Monday–Friday, 6:00am–6:00pm PT. - Lively team
Reply from Lively
Thank you for your review! We're so pleased to hear that your experience with Lively has been simple, reliable, and timely. We appreciate your kind words! - Lively team
Reply from Lively
Thank you for your review! We're glad to hear the interface and FAQs have made things clear and easy to navigate. We appreciate you choosing Lively! - Lively team
Never had an issue or problem with…
Never had an issue or problem with Lively. Love that you can upload receipts, log in quickly. Also easy to see how much you have, how much you have contributed and how much you have left. I recommend this for anyone looking for a place to keep HSA funds.
July 15, 2025
Reply from Lively
Thank you for taking the time to share your experience! It’s wonderful to hear that receipt uploads, quick access, and clear account details have made managing your HSA simple and transparent. Your recommendation means a lot to us. Thank you for choosing Lively!
- Lively team
The agent was very helpful and my COBRA…
The agent was very helpful and my COBRA was set up easily. I don’t know why ACH costs $20 more than sending a paper check.
July 14, 2025
Reply from Lively
Thank you for sharing your experience! We’re glad to hear our team was able to assist you with getting COBRA set up smoothly. We appreciate your note about ACH costs as well — feedback like this helps us identify where we can improve. Thank you for choosing Lively! - Lively team
Very easy to use
Very easy to use, if i need a reimbursment they are quick to process it.
July 17, 2025
Reply from Lively
Thank you for sharing your feedback. We're happy to know that the process has been smooth for you and that reimbursements have been quick when needed. It’s great to see Lively meeting your needs! Thank you for choosing Lively! - Lively team
They now charge a fee if you don't have a minimum balance.
When we first signed up for lively there was no minimum balance fee. I feel we should be grandfathered in now there is a yearly fee as I invest most of my HSA I don't keep a large balance at lively.
July 12, 2025
Reply from Lively
Thank you for your review! We're happy to hear that you’ve found the information clear and the platform easy to navigate. Thank you for choosing Lively! - Lively team
Disorganized COBRA Administration - System Failures and Poor Communication
Enrolled in COBRA medical, dental, and vision coverage in August 2024 with consistent monthly payments. In January 2025, coverage was unexpectedly dropped due to employer plan changes. Customer service directed me to wait for an open enrollment letter, which arrived over three weeks late despite being dated January 31st.
Due to the uncertainty, I secured ACA marketplace health insurance but enrolled in COBRA dental and vision during open enrollment. Shortly after, I received notice that all coverage was terminated. Then in July 2025, I received another letter stating medical and dental were reinstated retroactively to January 1st - yet the online portal still shows everything as terminated.
The fundamental issue: different parts of their system don't communicate with each other. Letters contradict the portal, customer service provides conflicting information, and beneficiaries are left scrambling to maintain coverage. When you can't trust that your insurance is actually active, the coverage becomes worthless regardless of the premium paid.
July 9, 2025
Unprompted review
Reply from Lively
Thank you for your feedback, and we're truly sorry to hear about your experience. We understand how frustrating it can be when information seems inconsistent, especially when it comes to something as important as your benefits coverage.
We'd appreciate the opportunity to review your situation more closely and provide any clarity we can. If you're open to it, please contact our support team at support@livelyme.com or call us at 1 (888) 576-4837, Monday–Friday, 6:00am–6:00pm PT.
- Lively team
1st dollar investing
1st dollar investing, great no hassle app for logging medical expenses for future reimbursement.
July 10, 2025
Reply from Lively
Thank you for sharing your experience! We're glad to know that features like first-dollar investing and the expense tracking tools have been helpful in managing your HSA with ease. We appreciate you being with Lively! - Lively team
Reply from Lively
We appreciate you taking a moment to leave a review. It’s great to hear our team was able to respond quickly — timely support is something we care deeply about! Thank you for choosing Lively!
- Lively team
Smooth transition from from Umb and…
Smooth transition from from Umb and trading with schwab
July 16, 2025
Reply from Lively
Thanks for sharing! We're glad to hear your transition from UMB went smoothly and that you're enjoying the investment experience through Schwab. We're happy to have you with Lively! - Lively team
We are very glad to have discovered…
We are very glad to have discovered Lively and set up an account. It works well for us.
July 16, 2025
Reply from Lively
Thank you for the kind words! We're so happy to hear that Lively has been a good fit for you. We appreciate you choosing Lively!
- Lively team
Flexiblity Works for Me
Flexibility. No nonsense. Able to set up, monitor, and change account as needed. 1000% better than the firms whose primary business is trading stocks.
July 9, 2025
Reply from Lively
Thank you for your review! We're glad to hear that the flexibility and simplicity of managing your HSA with Lively has worked well for you. Thank you for choosing Lively! - Lively team
Overall it’s been a good experience
Overall it’s been a good experience, but after multiple tries I’ve been unable to set up the investment account.
July 16, 2025
Reply from Lively
Thank you for your review! We're glad to hear that your overall experience has been positive, though we're sorry to learn you've had trouble setting up your investment account.
Our team would be happy to walk through the process with you — feel free to reach out at support@livelyme.com or call 1 (888) 576-4837, Monday–Friday, 6:00am–6:00pm PT. - Lively team
Reply from Lively
Thank you for the kind words! We're happy to hear you've had a great experience and that the app has been easy to use. Thank you for choosing Lively! - Lively team
Because I can call and talk with a real…
Because I can call and talk with a real person to get help. The folks that answer the phone are courteous and knowledgeable.
July 26, 2024
Reply from Lively
Thank you for sharing this! Being able to speak with a real, helpful person when you need support is so important — we're glad our team has delivered that experience for you. Thank you for choosing Lively!
- Lively team
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