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
Created with AI, based on recent reviews
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
Company replied
Company details
- Software company
- Business administration service
- Business-to-Business service
- Investment service
- 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.
Investment and spending connectivity and ease of use
The ability to seamlessly connect my Schwab HSA investment account with my Lively cash account. Ease of use with Lively Visa.
23 January 2026
Reply from Lively
Thank you for the feedback! We’re happy to know the Schwab integration and Lively Visa have made things easier. That’s exactly what we aim for. Thank you for choosing Lively!
- Lively Team
Reply from Lively
It’s great to hear that Lively is meeting your needs so far. We appreciate you being with us and look forward to supporting you along the way! - Lively Team
Initially the process of setting up the…
Initially the process of setting up the HSA account online and secondly allowing part of that money going into investing in the market thru a Schwab account. The whole process took like a week but it was easy and accurate.
23 January 2026
Reply from Lively
Thanks for sharing your experience! We're happy to hear that getting started and connecting to your Schwab investment account was a smooth process. Thank you for choosing Lively! - Lively Team
Reply from Lively
Thank you for enrolling with Lively. When you're ready to explore your account, we hope the experience is clear and simple. Our support team is here if you have any questions along the way! - Lively Team
Since moving my HSA account to Lively I…
Since moving my HSA account to Lively I have earned much higher interest & highly recommend this option!!
23 January 2026
Reply from Lively
Thank you for sharing your experience. We're glad you're seeing the benefits of your HSA with Lively. Thank you for choosing Lively! - Lively Team
Lively is an easy way to save tax free…
Lively is an easy way to save tax free money for healthcare without consideration. Paying my providers is easy too.
26 March 2025
Reply from Lively
Thank you for the kind words! We’re so glad to hear that Lively makes saving and paying for care simple and stress-free. Thank you for choosing Lively!
- Lively Team
HATE THAT THEY USE AI FOR…
HATE THAT THEY USE AI FOR COMMUNICATION. Beyond that why would you include pending contribution amounts in the balance but not pending transactions.
VERY frustrating to work with a robot.
20 January 2026
Unprompted review
Reply from Lively
Thank you for your feedback about the AI functionality.
Regarding our support approach: We've implemented AI with human-in-the-loop quality controls to provide 24/7 assistance while ensuring proper escalation protocols. You can always request direct escalation to our MSA team during support hours. Simply ask to speak with a member of support and you'll have the option to be connected to our MSA team
This is by far the worst company ever
This is by far the worst company ever. I was reimbursed for my father's senior day care. Than I seen another 200 available than proceeded to ask if it was available I was told yes. I submitted it was approved than I paid out the money. Just for Lively to come back and say it's not available. I would never use this company if you value your money don't put it into Lively they are a scam
19 January 2026
Unprompted review
Reply from Lively
Thank you for taking the time to share this feedback. We’re sorry for the confusion and stress this caused. We know how important it is to receive clear communication, especially when it comes to reimbursement timing. If any message led to a misunderstanding about payment status, that’s something we take seriously and are actively working to improve.
If you'd like to revisit the situation or go over any part of your account, our Support team is here to help. You can reach them at support@livelyme.com
or 1 (888) 576-4837, Monday through Friday from 6:00am to 6:00pm PT.
Lively doesn't communicate, charges extra fees
Lively is not a very straightforward company as far as communication, and they have some shady business practices that seem designed to get you kicked off of COBRA and to nickel and dime with extra fees.
- The first notice I got that a COBRA payment check was lost was a letter more than 30 days later that my insurance was cancelled. I was traveling and did not receive it until I got back. It was a stressful and lengthy process to get the insurance re-instated.
- Later, when my premium went up for 2026, Lively did not charge me the balance of $51. Instead, they left it as an outstanding amount on the website and did not tell me that it was due. Non-payment would have also led to my insurance being cancelled. And then they charge an unemployed person a $20 fee to pay the outstanding $51. It's absolutely shameful how the system seems designed to kick you off of COBRA if you aren't paying attention, and how it seeks to take advantage of payers. They say that this is a fee from the credit card processor.
13 January 2026
Unprompted review
Reply from Lively
Thank you for taking the time to share this feedback. We are sincerely sorry for the frustration and stress you experienced. We know how important clear communication and transparency are when it comes to health coverage.
We hear your concerns around the missed balance notification following the premium increase, and how stressful it was to discover the $51 amount without a proactive alert. We also understand your frustration with the additional $20 processing fee. It is never our goal for the payment experience to feel confusing or burdensome, and this feedback is helpful as we look for ways to improve how we communicate balances and fees.
If you are open to it, we encourage you to reach out to our Support team directly so they can review your situation and help address any remaining questions or concerns.
Contact us:
Email: support@livelyme.com
Phone: 1 (888) 576-4837
Hours: Monday to Friday, 6:00am to 6:00pm PT
- Lively Team
Terrible experience,
Terrible experience,, had to request another letter the first one was never received. Then the person on the phone was rude to me. Use another company if you can
12 January 2026
Unprompted review
Reply from Lively
Thank you for taking the time to share your feedback. We’re truly sorry for the frustration you’ve experienced and understand how stressful COBRA coverage and payment timelines can be.
In some cases, COBRA benefits are administered through Lively, but individuals may not have a direct Lively account. When this happens, our Member Support team has limited visibility into account-specific details, and our role is to help route members to the correct COBRA administrator for support.
We take your concerns seriously and appreciate you raising them. If you'd like to connect further, our Support team is here to help guide you to the appropriate resources.
Email: support@livelyme.com
Phone: 1 (888) 576-4837
Hours: Monday–Friday, 6:00am – 6:00pm PT
Please don’t hesitate to reach out if we there’s anything else we can assist with. - Lively Team
Great investment
Great investment opportunity if you can do it. As well as a tax shelter.
7 June 2025
Reply from Lively
Thank you for the feedback. We’re happy to hear the account has supported your investment goals and served as a useful tax shelter. Thank you for choosing Lively!
- Lively Team
This is a great service,also is a user…
This is a great service,also is a user friendly app
13 November 2025
Unprompted review
Reply from Lively
Thank you for taking the time to leave a review. We’re glad you’ve had a great experience with both the app and the service. Thank you for choosing Lively!
- Lively Team
Easy to transfer from another HSA
Easy to transfer from another HSA. Great service and follow up.
17 March 2025
Reply from Lively
Thank you for the review. We’re glad the transfer process was easy and that our team was able to provide great follow-up along the way. We appreciate you choosing Lively!
- Lively Team
Great customer service!
Customer service has been very responsive and helpful!
8 December 2025
Unprompted review
Reply from Lively
We appreciate the feedback. Providing timely, helpful service is a priority for our team, and it’s great to hear that’s reflected in your experience. Thank you for choosing Lively!
- Lively Team
Very user friendly and great HSA account
Easy to use. Reimbursements came in a timely manner. So far no issue with the team or the app. Great support.
18 December 2025
Unprompted review
Reply from Lively
Thank you for sharing your experience. We’re happy to hear things have gone smoothly and that you’ve had a positive experience with both the app and Support team. Thank you for choosing Lively! - Lively Team
Multiple ways to upload copy of…
Multiple ways to upload copy of receipts is helpful. I can scan or take a picture on my phone.
It would be helpful if I could sort to find all charges which don’t have a receipt uploaded yet rather than going through page by page.
2 December 2025
Unprompted review
Easy to set up
Easy to set up, website and app well done, great customer service
18 November 2025
Unprompted review
Reply from Lively
We appreciate your feedback. It’s great to hear that both the platform and our customer service team have met your expectations. Thank you for choosing Lively!
- Lively Team
Simple processing and easy investment…
Simple processing and easy investment transfers
18 December 2025
Unprompted review
Reply from Lively
Thank you for taking the time to leave a review. Simplicity and flexibility are things we care about, so it’s great to hear they’ve come through in your experience. Thank you for choosing Lively! - Lively Team
Thanks for the nudges
I initiated an HSA transfer from a less-than-helpful custodian. While there was little they could do, they did alert me to check on the progress and reviewed the paperwork I completed. This was helpful.
19 November 2025
Unprompted review
Reply from Lively
We appreciate you taking the time to leave a review. While there’s only so much we can do during a custodian-to-custodian transfer, we’re glad our team could support you by monitoring progress and reviewing your documentation. Thank you for choosing Lively! - Lively Team
Great for self-directed HSA!
Lively makes the self-directed HSA easy. Reimbursements are easy and the debit card is helpful. A lot of online purchases are blocked requiring reimbursements to be submitted instead of using the debit card, which can be annoying and inconvenient. Best part is the partnership they have with Charles Schwab so you can invest HSA funds over $3,000 in an HSA brokerage account. Oh and it's free to hold an account!
18 June 2025
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