L
Top Rated 2026

Lively

Best ForActive Investors & Savers
FeesNone ($0 Maintenance)

Quick Summary

  • Fastest-growing top-10 HSA provider
  • Zero fees for individuals
  • Schwab brokerage access
  • Modern user interface

The Verdict

Lively stands out as a strong option with zero monthly maintenance fees and self-directed brokerage access, mutual fund investing, earning a 4.5/5.0 rating from HSA Orbit.

Lively is a modern Health Savings Account (HSA) platform for employers and individuals. Lively’s user-centric solution creates an intuitive user experience allowing consumers to get the most out of their HSA. This includes easy sign-up, payroll syncing, paperless account management, and transparent pricing. Lively HSAs works alongside HSA compatible health insurance plans to make healthcare easier for everyone. Lively was started to help consumers optimize their healthcare spending, maximize their savings, and better their livelihood.

Key Features

Banking & Access

Includes debit card and online banking.

Investment Options

Offers self-directed brokerage and mutual fund investing.

Security & Insurance

Deposits are FDIC/NCUA insured for your protection.

Account Details

No minimum balance to open. no account opening fees.

Fee Analysis

Fee TypeThis ProviderIndustry AverageVerdict
Monthly Maintenance*$0.00$0.69EXCELLENT
Account Opening$0.00$1.88EXCELLENT
Account Closing$0.00$1.95EXCELLENT

* No monthly fee for individuals; $4/employee/month for employers

Industry averages calculated from 853 providers in the HSA Orbit database.

Investment Options

Brokerage Access

Lively provides a self-directed brokerage window for investing your HSA funds in the broader market.

StocksETFsMutual Funds

Mutual Fund Investing

Access mutual fund investments through your HSA with Lively.

  • Minimum ThresholdNo minimum
  • FeesSchwab HSBA: $24/year or free with $3K+ cash. Devenir Guided: 0.50% annual fee.

Interest Rates

Standard Rates

Balance RangeAPY
$0 - $2,5010.02%
$2,501 - $5,0010.03%
$5,001 - $7,5010.06%
$7,501 - $10,0010.09%
$0 - $2,5010.15%
$2,501 - $5,0010.23%
$5,001 - $7,5010.50%
$7,501 - $10,0010.70%
$10,001+0.12%
$10,001+1.06%

Last updated: 12-31-2025

Contact Information

Address

588 Sutter Street, #214, San Francisco, CA 94102

Customer Service

1 (888) 576-4837, ext 2

588 Sutter Street, #214 San Francisco, CA 94102 Customer Service Mailing Address 950 Mason St. #1355 San Francisco, CA 94108

Sales Contact

1 (888) 576-4837

At a Glance

Monthly Fee$0
Investment Threshold$0
Interest Rate (Cash)~1.06%
Debit CardIncluded
FDIC InsuredYes

Pros & Cons

The Good

  • No monthly maintenance fees
  • No account opening or closing fees
  • Self-directed brokerage access
  • Invest from the first dollar

User Sentiment

Based on community feedback

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NegativeNeutralPositive

Sentiment data coming soon

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