Is there a Lively promo code?
We found no promo code on Lively's website on 23 October 2026, and none is offered through our affiliate network. For individuals the main point is that the HSA itself is listed at $0, so there is no account fee for a code to reduce. The fees that do exist are for optional investing, and they are set out below.
Lively HSA fees for individuals
Lively's fee table for account holders lists $0 for each of these: monthly maintenance, account opening, account closing, funds transfer in or out, debit cards (up to 3), excess contributions, point of sale, minimum balance and reimbursements. If your employer lets you choose your own HSA provider, Lively says the cost is $0 for you and your employer, and you manage contributions through your employer.
Investing your HSA
Investing is optional. Lively offers two routes:
- Schwab Health Savings Brokerage Account: a $24 annual access fee, or no access fee if you keep a $3,000 minimum cash balance. Charles Schwab may charge its own fees.
- HSA Guided Portfolio by Devenir: a 0.50% annual management fee on invested assets, debited quarterly, plus any fund expense ratios.
Lively notes that investment products are not FDIC insured and carry investment risk, including possible loss of principal.
Lively for businesses
The business HSA is priced at $0.00 per employee per month, subject to a $200 monthly minimum, and Lively asks employers to contact it for preferred pricing. Its business range also covers FSA, HRA, lifestyle spending accounts, COBRA and commuter accounts.
How your cash is held
Lively states that it is not itself an FDIC or NCUA insured institution. HSA cash is held with partner banks and credit unions, which Lively says insure it up to $250,000, and the cash balance earns interest.
How to keep costs low at Lively
Keep the account in cash if you do not need to invest, or hold at least $3,000 in cash to avoid the Schwab access fee. Fees on this page were checked on Lively's own website on 23 October 2026.