Lively, Inc.

Most employees who skip their HSA aren't opting out. They just don't know they're eligible, or they missed the one email that explained it. Here's what's actually behind low HSA participation: rules confusion, low awareness, and communication that only happens once a year during open enrollment. The fix isn't more information. It's repeating the right information at the moments employees actually need it: onboarding, right after open enrollment, mid-year, and whenever contribution limits change. 🔗 Read the full breakdown on the blog. Link in the comments. #LivelyHSA #HSA #EmployeeBenefits #BenefitsEngagement

Why does HSA administration take a few hours a week at one 500-person company and most of a workweek at another? It rarely comes down to plan design. Mid-sized employers sit in a specific growth phase: manual processes no longer scale easily, and dedicated benefits ops teams aren't in place yet. HR leaders end up bridging the gap between the HRIS, payroll, and recordkeepers by hand. Three operational realities drive that administrative load: • Exception-driven work: Mid-year enrollment changes, tier switches, and prior-employer contributions each require the applicable limit to be re-established for that individual. • Downstream compliance: A missed calculation can leave an employee facing a 6% IRS excise tax until it is corrected, plus a payroll adjustment for the employer. • Headcount-driven volume: Adding 300 employees adds 300 sets of records and support inquiries, regardless of how simple the plan is. For benefits brokers, a client's growth trajectory is a useful signal. A process built for 400 employees reaches its limit as the workforce grows past 700. 🔗 Read the full breakdown in the link in the comments. #LivelyHSA #HumanResources #EmployeeBenefits #BenefitsAdministration

Brokers are being asked to evaluate AI capability in HSA platforms without a reliable way to compare it. Every provider claims it, and few define it. One question does most of the work: what does the AI have access to? An assistant working from general plan documents can explain how HSAs work. Account-level access changes the job it can do. It can answer balance and claim status questions, confirm whether a specific expense qualifies before an employee spends, and file a claim from a receipt image. On the employer side, the same access is what allows a platform to validate contribution files at the record level and flag an account approaching its IRS limit before an excess contribution occurs. Read more about AI capabilities driving real HSA utilization and the evaluation framework consultants can use when advising employer clients. Link in comments 🔗 #LivelyHSA #BenefitsBroker #EmployeeBenefits #HRTech

A must-read from SHRM on how AI is reshaping benefits! 📰 In their latest feature on real-world AI use cases in HR, SHRM highlights how Lively's AI tools transformed benefits administration for the People Operations team at Spark after moving off a PEO. The platform delivered fast, accurate results immediately, with Spark's team sharing that the tool was "so customized and efficient" that it exceeded expectations from the first prompt. Here is how it made an impact for their team: • Instant Rollover Support: Employees received quick answers and pre-populated forms for complex HSA rollovers on their own schedule. • Admin Efficiency: HR saved valuable hours on drafting enrollment instructions and tracking participation. • Strategic Focus: Streamlining routine admin tasks freed up the HR team to focus on high-impact, strategic work. Special thanks to the team at Spark for sharing their story, and to SHRM for highlighting this shift in benefits technology! 🔗 Read the full SHRM article here: https://hubs.la/Q04sQVqt0 Interested in seeing how the Lively AI Benefits Assistant works? Link in the comments! #Lively #HRTech #EmployeeBenefits #SHRM

🚀 3 consecutive years on the Inc. 5000! Lively has been recognized as one of America's fastest-growing private companies, and we're the top HSA provider on this year's list. This milestone is a direct result of our incredible team, whose hard work and passion make achievements like this possible. A sincere thank you as well to our valued employers, brokers, and account holders for your continued trust and partnership. Together, you make our mission possible every day. Check out our Inc. 5000 profile in the comments! #Lively #Inc5000 #Growth

HR and Benefits teams spend up to 30 hours a week on reactive tasks and tickets. That adds up to nearly 1,680 hours a year spent troubleshooting file errors, tracking down statuses, and pulling manual reports. While most AI in benefits focuses strictly on employee Q&A, we built something for the teams keeping these programs running: the Lively AI Benefits Assistant. Designed specifically for HSAs, FSAs, HRAs, and LSAs, it brings intelligent support directly into your platform to simplify daily operations: • File Error Resolution: Troubleshoot, explain, and automatically fix processing errors. • Streamlined Workflows: Safely manage enrollments, profile updates, and terminations. • Natural-Language Insights: Pull custom reports instantly by simply describing what you need. Less time spent on manual admin work means more time for strategic HR initiatives. Read the official press release announcement in the comments below! 👇  #Lively #HRTech #BenefitsAdministration #HumanResources #EmployeeBenefits

AI is a common buzzword in benefits administration right now, but HR leaders know flashy tech does not matter if employees still struggle to use their funds. What matters is practical simplicity. If you are evaluating an HSA with AI features for your workforce, here are three high-impact things to look for: → Fast approvals and reimbursements. Receipt validation that runs automatically, so funds reach employees when they actually need them. → Contribution guidance. Year-round prompts that help employees figure out the right contribution level, reduce what they owe in taxes, and avoid end-of-year surprises. → 24/7 self-service answers. Context-aware assistants that handle coverage questions on demand, empowering employees while cutting HR ticket volume. The goal of AI in health savings accounts should be utility. Stripping away daily administrative friction helps employees get more out of their benefits and gives HR teams time back. What is the biggest HSA friction point your team hears from employees today? #LivelyHSA #EmployeeBenefits #HRTech

Last week we shared a mid-year benefits audit. The thread running through every item? Time. 84% of HR teams spend 5 to 20 hours a week on manual benefits administration. That's a full workday, sometimes more, and it's recoverable. Manual benefits work is repetitive by nature, which is exactly what makes it worth a hard look. You don't need a transformation. You need those hours back. A mid-year audit is how you find them. Open enrollment prep is why you find them now. #LivelyHSA #HealthBenefits #EmployeeBenefits

One of the best ways to prepare for open enrollment is to conduct a mid-year benefits audit. By now, you have enough data to identify trends and enough time to act on them before open enrollment. Start by reviewing adoption rates, contribution trends, underutilized benefits, and unclaimed employer contributions. Then look beyond the numbers. One of the most valuable things to review is last year's open enrollment questions. The questions employees asked most often can tell you exactly where your communications could be clearer. Addressing those gaps now can make open enrollment smoother for both your HR team and your employees. What's something you learned during last year's open enrollment that changed how you prepare this year? #LivelyHSA #EmployeeBenefits #HR #BenefitsStrategy

📢 Lively was featured in a press release today announcing the next evolution of our platform: Lively Axis. Lively Axis is our AI healthcare payments and benefits platform built to turn fragmented healthcare spending and benefits data into scalable intelligence for health plans, employers, and strategic partners. The results are already showing up where it matters: - 90% AI chat resolution rate with no human interaction required - 70% deflection rate on incoming calls through conversational AI - $20B+ in healthcare payments and benefit transactions processed Our Chief Product and Technology Officer, Luke Surazski, shares what it actually means to build AI into the infrastructure of a benefits platform and why that distinction matters for the people relying on it. Read Luke's perspective here: https://lnkd.in/eE7fgWRQ ⬇️ Full press release in the comment #HealthcareTech #EmployeeBenefits #HRTech #LivelyAxis #HSA