Lively
Flexible employee benefits and HSA administration for employers, brokers and individuals
By Lively (Lively, Inc.) · 4.3/5 verified-buyer score
Positioning guardrails
Best for
- US employers wanting HSA plus FSA, HRA, LSA, Medical Travel Account, COBRA and Direct Bill administration from one vendor
- HR and benefits teams trying to cut manual file syncs and reconciliation work
- Brokers and consultants managing benefits accounts across multiple employer clients
- Individuals and families wanting a free HSA with optional self-directed investing
- Benefits teams piloting AI-assisted reimbursements, claims handling and enrollment guidance
Ideal size: 10–500 people · US employer with an existing HR or benefits-broker function
Not for
- Employers outside the US benefits system; no international coverage is documented
- Buyers who need a full HRIS or payroll suite rather than benefits accounts only
- Procurement teams requiring published compliance certifications or support SLAs before signing
- Companies needing documented CRM or data-warehouse integrations out of the box
Value metrics scorecard
Time-to-Value
About 2–4 weeks for employer setup
~30 days to first production value
Total Cost of Ownership
$2,400/yr
Starts at $2,400 · Employers: $0 per employee per month, subject to a $200 monthly minimum (about $2,400/year). Free for individuals and families. Optional investment add-ons cost extra.
Implementation Friction
2/5
Engineering + admin effort required
Buyer Score
out of 5 · verified buyers
Full cost breakdown
Mandatory implementation fee
None
Seat tiers
No seat tiers published; a $200 monthly minimum applies to employer accounts.
Add-on costs
- Schwab Health Savings Brokerage Account access: $24 annual fee, or no access fee with a $3,000 minimum cash balance (Schwab fees may apply)
- HSA Guided Portfolio by Devenir: 0.50% annual management fee on invested assets, debited quarterly (expense ratios may apply)
Company & support
Who is behind Lively, and how your team gets help once it is live.
Company
- Founded
- Not recorded
- Headquarters
- Not recorded
How you get support
- PhoneNot listed
- EmailNot listed
- Live chatNot listed
- Support portal / ticketsNot listed
- Community forumNot listed
- Help centre / docsAll plans
- Dedicated account managerNot listed
- In person / on-siteNot listed
- Hours
- Not recorded
- Response time
- Not stated
Vendor points account holders to a self-serve Help Center and says sales enquiries get a reply within one business day. No support phone line, support email, chat or SLA is published.
“Not listed” means the vendor’s public pages don’t mention that channel, not that it is unavailable. Ask about it during evaluation.
Market position
Where Lively sits against its closest alternatives. Pick any two of cost, speed, friction and buyer score, and up to 9 companies to compare.
Quadrant view
Typical annual cost × Time-to-value
The lines cross at the median of the solutions shown, so about half sit on each side of each line.
Companies on the chart 6 / 10
- Lively
- Practice Fusion
- Healthie
- Buildxact
- SimplePractice
- WebRezPro
Add or change companies
Up to 10 companies including Lively. Listed closest first.
Stack fit signal
Compatibility with standard B2B ecosystems.
No supported MCP path today, so it cannot be driven from an AI client.
AI & MCP readiness
What Lively ships in AI, and what it asks of your ecosystem.
AI features shipped
Lively describes its Axis platform as offering 'context-aware AI' that surfaces missed tax-free reimbursements, guides enrollment decisions and completes account tasks 24/7. No model-provider, BYOK or AI audit-logging details are documented in the available pages.
In your ecosystem
- AI connection
- Not supported
- Model key
- Not recorded
- AI usage audit
- Not recorded
Compliance attestations
* IAPP AIGP certifies individuals, not products. It means named staff hold the credential — not that the platform does.
Bottom line
Lively is a US benefits-accounts provider whose Lively Axis platform unifies HSA, FSA, HRA, LSA, Medical Travel Accounts, COBRA and Direct Bill administration. Employers pay $0 PEPM subject to a $200 monthly minimum; individual HSAs are free. The vendor reports over 98% employer retention and an NPS roughly three times the industry average. Axis adds context-aware AI that flags missed tax-free reimbursements and automates account tasks. No compliance certifications, integrations, MCP support or support SLAs are documented in the sources.
Frequently asked questions
What does Lively cost an employer?
Lively prices employer administration at $0.00 per employee per month, subject to a $200 monthly minimum (roughly $2,400 a year). Individual and family HSAs are free. Optional investing costs extra: $24 a year for Schwab brokerage access (or no access fee with a $3,000 minimum cash balance), or a 0.50% annual management fee for the HSA Guided Portfolio by Devenir.
Which benefits accounts can Lively administer?
Lively offers Health Savings Accounts for individuals and employer groups, plus employer-sponsored Flexible Spending Accounts, Lifestyle Spending Accounts, Health Reimbursement Arrangements, Medical Travel Accounts, and COBRA and Direct Bill services.
How is Lively different from other HSA providers?
Lively emphasises service and simplicity: it reports 98% employer retention, an NPS roughly three times the industry average, and over $24 million saved by account holders in fees. It also cites recognition as the top HSA provider on the 2026 Inc. 5000 list. Its Axis platform is built in-house to automate file syncs, reconciliation and account tasks.
Does Lively use AI in benefits administration?
Yes, per the vendor. The Lively Axis platform is described as offering context-aware AI that surfaces missed tax-free reimbursements, guides enrollment decisions and completes complex account tasks 24/7. Lively also publishes a 2026 AI in HR report. The available pages do not state which models are used, whether customers can bring their own keys, or whether AI actions are logged.
Is Lively available to employers outside the United States?
The published sources describe US Health Savings Accounts and US benefits administration only; no international or multi-country availability is documented.
How do I get support from Lively?
Account holders are directed to Lively's self-serve Help Center, and the site describes responsive expert support. Sales enquiries through the employer/broker form get a reply within one business day. No support phone number, support email, live chat or formal response-time SLA is published.