Lively (livelyme.com) has a 4.6 out of 5 rating on OK.one, based on 101 user reviews collected here. It is listed under Electronics & Technology and its reputation is excellent. Praise is nearly unanimous, with 92% rating it 4 stars or higher; The business has replied to 100% of negative reviews. Last updated 2026-08-11.
What people say
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Arla · 2 reviews · Experienced 2026-07-27 ·
★★★★★
Terrific customer service
The personnel are extremely knowledgeable and helpful. Someone just spent about 20 minutes on the phone with me to solve a problem. I am hearing impaired, and the rep was very patient and polite. Of all the phone carriers I have used over many years, Lively definitely has the best customer service. Their personnel are in the U.S. so there is never an issue of trying to understand what a rep is saying--a hug plus!
Reply from Lively2026-08-03
It means a lot to hear this, and thank you for sharing! Taking the time to work through a problem properly is exactly what our team is there for, and we're glad that came through for you. - Lively Team
Great company to hold your HSA, easy to invest the funds and move between the investment account, Lively and get funds out to your checking account once claims submitted. Highly recommend!
Reply from Lively2026-08-03
Thank you for the recommendation. Moving money between your HSA, your investments, and your checking account should feel simple, so it's great to know that's how it's working for you. Thank you for choosing Lively! - Lively Team
Lively has been great! It's easy to submit reimbursement requests. Site is easy to navigate.
Reply from Lively2026-08-03
Thank you for the review! Keeping submissions quick and the site easy to move through matters a lot to us, and hearing it's working that way for you makes a difference to our team. - Lively Team
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Jose Martinez · 1 review · Experienced 2026-04-01 ·
★★★★★
This company is horrendous in customer…
This company is horrendous in customer service. There funds transferring system has failed me 2 times now. If you do not stay on top of it there windows for you to get back to them is small and they will not reopen it. If you don't get back to them they cancel you request and you have to start all over answering all the same questions again.
Reply from Lively2026-08-03
We're sorry you've had a difficult experience. Dealing with a transfer that doesn't go through, and then having to repeat the process, is frustrating, and we understand why you're upset.
If this hasn't been sorted, we'd like to help. Please reach out to [email protected] or call us at 1 (888) 576-4837, Monday through Friday, 6:00am to 6:00pm PT, so we can assist you. - Lively Team
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Anon · 11 reviews · Experienced 2026-03-30 ·
★★★★★
Great Staff
The staff have been very receptive, friendly, and patient through what was several "tired brain" moments on my end after getting done with a different company. The AI on their website has been notably helpful by contrast to any other I've observed at this time with very limited exceptions, and so far the transfer process has been easier than otherwise accessing my previously used HSA company.
As a side notation, since I tend to see complaints about a sub-service they use - PLAID is a feature, but it does show you a copy of what you're sending, so if the camera's software/firmware isn't agreeing with you, you can at least get a rough idea where you need to be versus your ID. This makes things much easier on the customer, and would've made it easier for me to access my other HSA company before ultimately deciding I needed basically anyone else. I can very easily see why this company has a 4.5 star rating as of the time in which I'm posting this comment, and am quite glad I picked them so far.
Reply from Lively2026-08-03
Thank you for writing this out in such detail. Transfers from another provider can be a headache, so we're happy our team made yours easier, tired brain moments and all. We also appreciate you explaining the Plaid piece, since it may give useful insight to anyone else reading who runs into the same step.
Thank you for choosing Lively and for leaving a review! - Lively Team
I do freelance work and need to fund my own HSA. Lively had good reviews and no fee so I decided to try it out and it's been great. The app and online site are easy to use, have good graphics and display the info I want to see the most. No problems using the card at all the kinds of doctors and the pharmacy. Really glad to get away from Alight, which charged a monthly fee and had a really frenetic web and mobile experience.
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Joe · 1 review · Verified · Experienced 2026-01-23 ·
★★★★★
The auto-generated reimbursement
The auto-generated reimbursement when submitting a receipt is very convenient and easy to use. The only suggestion would be to better explain when a claim(s) or service was not fully reimbursed.
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Mark B · 4 reviews · Verified · Experienced 2026-01-23 ·
★★★★★
The service and representatives are…
The service and representatives are professional, courteous and quick to handle my questions.
Reply from Lively2026-02-02
Thank you for the feedback. We're glad your experience with our service team was handled with care and efficiency. Thank you for choosing Lively! - Lively Team
It was easy to set up and move my current HSA to Lively where I can earn interest.
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Stewart · 1 review · Verified · Experienced 2026-01-22 ·
★★★★★
I am very happy with the interface
I am very happy with the interface. It processes requests quickly and graphically is easy to look at and use. I'm just starting to use the investment area so not sure yet that it gives me all the information I'm looking for, but I look forward to working with it and learning more about it.
Reply from Lively2026-02-02
It’s great to hear you’re enjoying the interface and that things have been smooth so far. We appreciate your openness as you get started with the investment tools, and we’re here if any questions come up along the way. Thank you for choosing Lively! - Lively Team
This is my first experience with an HSA. My insurance broker recommended Lively. The setup was super easy, although I did have to call customer service for a small problem. The agents were US-based, extremely helpful and fixed the problem right away. Got my debit card within about 10 days, and have used it with no problems. Was able to get my money into the investment account very easily as well.
Reply from Lively2026-02-02
Thank you for sharing your first HSA experience. We’re glad the setup was smooth, and it’s great to hear our support team was able to step in and resolve the issue quickly. Providing helpful, responsive service is something we care deeply about. It’s also wonderful to know that everything from your debit card to investing has worked well. We appreciate you choosing Lively! - Lively Team
My experience with Lively has been good. When I changed jobs, I thought it wouldn't be easy to continue with my Lively account, but the experience was pleasant. They guided me through the process, I updated my information, and I was able to keep my account and access my funds.
Reply from Lively2026-02-02
Thank you for sharing your experience. We know changing jobs can bring a lot of uncertainty, and we’re glad we could make it easy to keep your account active and accessible. We appreciate your trust in Lively! - Lively Team
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Allan · 1 review · Verified · Experienced 2026-01-23 ·
★★★★★
The hold time for checks and transfers…
The hold time for checks and transfers is glacial! 6 weeks of zero interest and out of the market. There is ACAT and ACH- hello McFly!
Reply from Lively2026-02-27
We’re sorry to hear how frustrating this experience has been. Transfer timelines can vary based on the releasing custodian and transfer method, and in some cases may take several weeks while funds are being moved between institutions. We know timing matters and are working to make the process as efficient as possible. If you still have questions or need assistance, our team is here to help. Please reach out to [email protected] or 1 (888) 576-4837 (Mon–Fri, 6am–6pm PT). - Lively Team
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Vincent P · 4 reviews · Verified · Experienced 2026-01-23 ·
★★★★★
East to open and fund acct
Reply from Lively2026-02-02
Thanks for the feedback. We’re glad your experience getting started was a positive one. Thank you for choosing Lively! - Lively Team
Lively is a well-designed application. Minimal bureaucracy. All necessary functions are handled within the app, no insane paper documentation. I think everyone should open a Lively account so you aren't kicking your HSA balance from one company to another.
Reply from Lively2026-02-02
We're so glad Lively has helped remove the extra steps and paperwork that often get in the way. Hearing that you’ve found it stable and easy to manage all in one place means a lot to us. Thank you for choosing Lively! - Lively Team
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Jennifer · 1 review · Verified · Experienced 2026-01-23 ·
★★★★★
Lively is an awesome platform for HSA
Lively is an awesome platform for HSA. The user interface is simple and customer service is quick to respond. I’m glad I found Lively both for the simplicity of use and also for the organization of all my medical bills and expenses.
Reply from Lively2026-02-02
Thank you for sharing this. A seamless platform paired with real support can make a big difference, and we’re happy to hear that Lively is living up to that promise for you. Making it easier to manage your HSA and keep track of healthcare expenses is something we take seriously, and we’re grateful to be part of that process! - Lively Team
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Michael · 1 review · Verified · Experienced 2026-01-23 ·
★★★★★
Never had to call customer service
Never had to call customer service - because everything was self-explanatory and worked as expected. I wish I could continue working with Lively, but that doesn't seem to be an option after transitioning to ACA health insurance.
Reply from Lively2026-02-02
Thank you for the kind words. We’re so glad everything worked as expected and that your experience with Lively was smooth from the start. While we’re sorry to see you go, we hope to have the opportunity to support you again for your HSA needs in the future. Thank you for choosing Lively! - Lively Team
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Christopher · 1 review · Verified · Experienced 2026-01-23 ·
★★★★★
Great customer service team!!
It’s weird to give a review for a HSA company but I’ve been beyond impressed with Lively’s customer service. They’re very responsive and get stuff done! It’s truly a pleasure to call or email with their team.
Reply from Lively2026-02-02
We get it, reviewing an HSA provider might feel unusual, but we’re so grateful you did! It’s great to hear our team has been helpful and responsive. Thank you for choosing Lively!
- Lively Team
