New Lively data shows strong HSA balance growth as Americans face record healthcare premiums and out-of-pocket expenses

Lively, Inc., a top-rated health and lifestyle benefits platform* and #1 fastest growing HSA provider according to Devenir¹, known for building the modern Health Savings Account (HSA), today revealed another record year for average HSA balances even as U.S. healthcare costs continue to climb.

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Lively 2025 HSA Balance

As employers and households grapple with historic premium increases, higher deductibles, and rising out-of-pocket healthcare expenses, Americans are increasingly turning to Health Savings Accounts (HSAs) as a critical financial tool to manage both near-term medical costs and long-term healthcare planning. Against this backdrop of persistent cost pressure and economic uncertainty, Lively’s data highlights how effective HSA engagement can help account holders build greater financial resilience.

HSAs offer a unique combination of tax-free saving, investing, and spending for qualified health expenses, making them one of the most powerful benefits available to workers enrolled in high-deductible health plans. Lively’s latest insights underscore the importance of choosing an HSA provider that prioritizes ease of use, built-in education, and accessible investing options—capabilities that are increasingly essential as healthcare affordability becomes a defining issue for employers and employees alike.

HSA-eligibility expansion from the OBBB went into effect January 1, 2026. Now, more individuals qualify for an HSA based on their health plan type. Those enrolled in a Bronze or Catastrophic Affordable Care Act (ACA) health plan meet the primary coverage requirement for HSA eligibility under the new law.

“HSAs have long been a strategy to help offset the high cost of healthcare,” said Alex Cyriac, co-founder and CEO of Lively. “With premiums and out-of-pocket costs continuing to rise, making healthcare more affordable and accessible is at the core of our mission at Lively. Continued HSA eligibility expansion to all Americans is the most direct way to reduce healthcare costs and help more families.”

2025 HSA Account Holder Insights

• Lively HSA account balances were 37% higher than the industry average on January 1.
  • The average balance of Lively’s HSA accounts, including unfunded accounts, was $5,457 compared to the industry average of $3,997 as reported by Devenir’s 2025 mid-year report.
• Lively’s average HSA account balances grew 11% year-over-year.
  • The average balance of Lively’s HSA accounts, including unfunded accounts, was $5,457 compared to an average of $4,923 last year.

“At Lively, we believe in empowering account holders with the information and options they need to make the most of their HSA balances,” said Shobin Uralil, co-founder and COO of Lively. “As Americans contend with rising healthcare prices and financial uncertainty, we’re proud to help them build flexibility, confidence, and greater financial security—so they have more money available for the care they need, when they need it.”

About Lively

Lively is the health and lifestyle benefits provider that gets it right. Our solutions are designed to take the guesswork out of managing benefits and drive efficiency for HR teams. Our innovative platform combines robust features with unparalleled service, to make maximizing your benefits as simple as it should be.

Lively currently offers HSA, FSA, HRA, COBRA, Direct Bill, Commuter, Lifestyle Spending Accounts, and Medical Travel Accounts.

https://livelyme.com/

*Lively’s HSA is top-rated according to Morningstar’s 2024 Health Savings Account Landscape, G2, Trustpilot, and Lively's Customer Satisfaction survey.

¹Devenir Research “2024 Year-End HSA Market Report” and “2025 Midyear HSA Market Report.” Based on percentage growth in total HSA assets and total HSA accounts among the top 10 custodians listed by Devenir over the measured period. Rankings reflect Devenir-reported data only. Lively did not pay for participation in, nor commission, these reports.

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Despite Rising Healthcare Costs, HSA Account Balances Hit Record High