I can invest the whole balance anyway I want. The best thing is I can invest the whole HSA balance with TDAmeritrade (Schwab soon) using any stock or ETF I want. The HSA my employer set up had about 12 stogy mutual funds and I had to leave 1 or 2 thousand uninvested. The web site is easy to use. I recommend Lively to my family and friends. And it is a Y-combinator company, a big green flag for me.

Call, real people, real help! When I transferred to Lively from my former employer's HSA, it is a long and difficult process. Primarily from the HSA providers who are being asked to give up the funds to Lively. I had to go through this several times and each time I called Lively, got a person in short time and was helped immediately and they took care of getting the funds transferred. They also allow my TD Ameritrade (now becoming Charles Schwabb) to invest my funds and provide me advice.

User friendly, and fantastic customer support Lively's mobile app and web interface are very straightforward and pleasant to use. There are so many actions available for self-service, but when I did end up calling customer support, I was speaking to a real person within minutes and they were very kind and helpful. I've been thrilled with my Lively HSA experience!

The user experience The user experience, robust investment options, free to save, ability to link other credit cards to find lost savings, and the amazing service teams that back it all up. I can go on and on.

Great service!! The customer service representatives are knowledgeable and do everything possible to be sure questions are fully and correctly answered. That gives me so much confidence in the company. The website is easy to use and the request for reimbursement process is fast and efficient.