Lively Benefits
Invest in Your Health ™
How much does Lively Benefits cost?
Prices are current as of 12 Sept 2026.
Lively Benefits has no in-app products on record in the United States.
10+ alternatives to Lively Benefits
| Lively Benefits |   READYSAVE 529 |   Benefits by WEX |   READYSAVE™ |   Guideline |   HSA Bank |   First Mid Mobile |   RMR Benefits |   Lincoln Financial Mobile |   EBCentral |   The Standard – My Retirement | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Rating / 5 | 4.8 | 4.7 | 4.2 | 4.9 | 4.9 | 4.2 | 4.7 | 4.9 | 2.9 | 4.7 | 4.3 |
| Reviews | 9.2K | 29K | 13K | 10K | 1.9K | 1.6K | 1.5K | 982 | 317 | 165 | 61 |
| Released | 2019 | 2020 | 2010 | 2020 | 2023 | 2022 | 2014 | 2024 | 2014 | 2021 | 2020 |
Lively Benefits reviews
4.8 out of 5, based on 9,219 reviews.
What people like
- App is super easy to use.
- Low fees compared to other providers.
- Fast and simple receipt uploading.
- Nice interface for tracking spending.
What they complain about
- Claims get denied without good reason.
- Reimbursement takes way too long.
- Receipt history disappears when you switch accounts.
- Face ID simply does not work.
Ease of use and timely
Lively made it easy to transfer my previous HSA and communications have been great!
Reimbursement
Lively takes much longer to reimburse than other similar programs. Anywhere from 5- 10 days in too long.
Adding receipts
It’s very convenient that purchase are now showing up instantly, even if pending, and we are able to add receipts the same day as the purchase.
Benefits
Not entirely happy with all that is covered by and then they made me pay back what was used. Even though what we had paid was for a doctor visit that should have been covered
Uploading receipts
I had trouble uploading receipts older than the last three transactions. I even reached out and did not get a. Satisfactory answer AI said to configure filters so that all transactions were posted or not can be seen, but there was no filter available.
Great HSA
Lively it is
Don’t use limited HSA
These people are impossible to get your own money back from. On my 3rd round of document submission.
Solid HSA, low fees
I haven t enjoyed Lively and it s low fee structure, ability to invest, and the app is solid. The improvement for them needs to be in the transaction time. In this day and age, there is no reason it should take so long for a withdrawal from your bank account to hit your Lively HSA. Otherwise, i ve been very happy with everything, including their customer service. Thanks - Look forward to more speedy progress!
HSA
Should be more user friendly when it comes to paying what is medical and what is not. Sometimes you don’t have available money to pay when lively chooses to do this.
Helpful but could be better
I'm always getting declined transactions because of how long it takes to process my contributions. I can only contribute what I can and I need it quicker or why even use this? I could just put my funds into my savings and just transfer to my checking when I have payments processing
Fast, Easy and convenient
Like Lively one of the easiest FSA services I’ve used
Waste of time
Waste of time
Yeah…Face ID….
…still does not work despite everything being updated. Might as well remove this ‘feature’ from the app. Otherwise, love the company for its low fees, Schwab integration allowing me to manage my money, and just the overall nice interface to track my contributions (and spending although I don’t use these funds for medical expenses). Came from HSA Bank years ago whom raised their minimum account requirement to $1000 that had to be maintained and only paid .01% but the fees eroded that required balance. Keep up the great work and low fees Lively!!
Bugs on the app
When using the AI option to scan the receipt. When you enter the amount, the popup/slide up number key pad covers the button that allows you to go to the next page
Works fine but they use agentic AI
App is fine except if you need to pay back an item, there is no way to just pay it back, you have to wait it out. You also cannot just get info from a person now, it's agentic AI. Shame on them for ruining the planet and stuffing Americans out of good-paying jobs.
Simple and Straight Forward
I followed the instructions, uploaded the documents, and was approved immediately. Still waiting on the reimbursement, so give it a couple days.
It sucks I’m always having to verify legitimate pharmacy and hospital expenses
Every time I pick up medication or go to pay a hospital bill, get durable medical equipment like a walker I needed, physical therapy after knee replacement, or anything, I have to justify it to be able to spend MY OWN MONEY on medical, dental, or vision expenses when these are submitted from the very places with those names like Walmart PHARMACY, Golden Valley Medical Center, LinCare Medical Supply, etc. What else would I be getting at these places except covered items. It’s not like I could buy liquor or cigarettes. The card would automatically reject it because it’s not covered, so why do I have to keep “verifying” these things when obviously the card knows they’re either covered or not covered? It’s ridiculous. It seems you just want to be connected directly to my insurance claims so you can poke around and be nosy, and “verify” every single transaction then. I’m thinking nope. If the card automatically knows what I can and cannot buy because it’s not covered, it shouldn’t be an issue at all and be automatically verified when the card allows it. You need to figure out a better way. I have coworkers that don’t go through this with Lively every freaking time….so why me?
Sorta fixed - Login is a nightmare!
Edit - still usually having me do 2 puzzles but that’s way better than 6. Face ID still should be sufficient, and I’d rather have 2FA than the stupid puzzles, but it’s better than before. Before the last update, I’d have given this app 5 stars. However it’s basically unusable now as every login has 6 puzzles to prove I’m a human. Face ID + 2FA worked fine… we don’t need these very time consuming captchas every single login. I’ll be using the website for now, and will start looking for a new HSA provider for 2025.
Always declines
Card always declines
Easy to use
I'm really enjoying the service and app. It's quick to submit a claim and receive reimbursement.
If I could give 0 stars then I would
This place sucks, but unfortunately my employer went from using HealthEquality to this stupid place. They will never approve anything the 1st time….but yet, when I finally called and questioned what they needed because the info they requested for approval was already sent in. Literally they tell you it will take 3-5 business days to process, but they really mean 5 at minimum and once they took over 7 business days even with me calling to check on it. Then they will deny your claims….so it will eventually be time to pay your next month’s childcare before you even get reimbursed for the other month. Also, the app will not work well for “chatting with someone” feature. By the time your halfway into a conversation with a representative, the app stops sending your messages after you type them…because it somehow “logs you out” but you literally still in the app on the chat. Then you have to go log back in 🤦♀️😭
Fix Face ID
Please fix the Face ID!!! Otherwise this app is useless
No confusion
Lively has a process where I always know my balance and contribution totals
Regressed
This company went downhill slowly. I recommend people to Fidelity now. They use to allow all your money to be in the investment account. Now they hold $3000 before you can invest with the Schwab investment account. $3000 sits in their pockets barely earning any interest, but I bet they have it heavily invested. There are better options when choosing an HSA. When you’re ready to transfer to Fidelity or another bank, be ready to have your money do nothing for 4-6 weeks. The guys are slower than molasses giving your money back.
Face ID
I messaged your help people like every few weeks because they don’t know how to fix this problem. I still cannot get my Face ID working at all and they told me to update my app and everything like that last few weeks I have and there’s no updates for until today and it still not working it all. My company is using your app every freaking day and I would tell them soon it’s not working.
Excellent App
I have never been able to verify an FSA expense so easily!
Gate keeping your money!
They require forms to be filled out that are unnecessary to be reimbursed for medical expenses. They aren’t the IRS they shouldn’t be making decisions on what is eligible, if you have researched it yourself or have a prescription they should not require paperwork to get your money.
Best HSA ever
We are forced to switch our accounts to a new HSA and it is blatantly obvious that Lively has the superior product. The app is so user friendly you never need customer service but when you do they are profoundly more competent then our new company. Wish we didn’t need to switch!
Way too strict
Somehow after working with HealthEquity for years and having 0 problems getting things like actual medicines and actual legitimate childcare approved smoothly, lively needs a ton more documentation. They are acting like they are the IRS rather than a holder of MY money. I am getting medications from pharmacies declined, after school invoices declined, etc etc. I can justify all of this to the IRS if needed but for them to decline and not pay me my own stuff is about 10 steps too far. Lively has been absolutely terrible to work with and they need to get their heads out of the bureaucracy about 5 times and understand that if we use our child's school's after school program it's legitimate. If I am ordering from a credentialed pharmacy it's legitimate. Such a headache. Stop trying to keep my money, it's mine not yours unless you want to start paying me to work through your convoluted processes.
Great app!
So user friendly app! Easy entry of receipts, can pay easily with debit card or get paid back later.
Impossible to work with
They refuse legitimate claim after the next. No accountability for their refusals
Awesome Wealth & Health App
Easy, streamlined, no bull charges, fast
Left the HSA, took my access to transactions away
App is full of unnecessary features but my biggest gripe is all of my receipts were wiped when I transferred my HSA elsewhere. While I understand that it is up to me to keep track of my receipts, there was no mention of this when I closed my account and I was under the impression I would have access. Please consider keeping transaction history/receipts on closed accounts
Lively Benefits FAQ
- Is Lively Benefits free?
- Yes. The app is free, in all 1 country it sells in, and it sells nothing inside it.
- Does Lively Benefits have a free trial?
- No. None of its offers (US) come with a free trial.
- What are the best alternatives to Lively Benefits?
- READYSAVE 529 (4.7 from 28,775 reviews), Benefits by WEX (4.2 from 12,503 reviews) and READYSAVE™ (4.9 from 10,319 reviews).
Lively Benefits download
Last updated 1 month ago.
Lively Benefits sells in 1 country. It was released 7 years and 5 months ago, on 11 Apr 2019. It holds a 4.8 rating from 9,219 reviews.
Supports 2 languages: English, Spanish.
How much does Lively Benefits make?
Third-party estimates for the last 30 days, worldwide — not the store's own figures, which Apple publishes for nobody.