Fidelity HSA vs Lively HSA
Side by side on the numbers that decide it. The Money 8020 Score already weighs these — this is the receipts.
Money 8020 pick FI Fidelity HSA Fidelity Investments 97/100 | L Lively HSA Lively 96/100 | |
|---|---|---|
| Tier | Essential | Essential |
| Account fees | $0 | $0 |
| Minimum to invest | $0 | Schwab self-directed |
| Cash yield | 3.37% | $24/yr |
| Stock & ETF commissions | $0 | FDIC at custodian |
| Annual fee | $0 | — |
| Best for | Anyone with a qualifying high-deductible health plan | Individuals who want a no-fee HSA they open themselves |
| View profile | View profile |
Which should you choose: the Fidelity HSA or the Lively HSA?
The Fidelity HSA is the stronger pick of the two, with a Money 8020 score of 97/100 versus 96. Choose the Lively HSA instead if individuals who want a no-fee HSA they open themselves.
On minimum to invest, the Fidelity HSA shows $0 versus the Lively HSA's Schwab self-directed. On cash yield, the Fidelity HSA shows 3.37% versus the Lively HSA's $24/yr. On stock & ETF commissions, the Fidelity HSA shows $0 versus the Lively HSA's FDIC at custodian. Both figures are reflected in the Money 8020 score above; confirm current terms with each provider before deciding. This is not financial advice.
Fidelity HSA vs Lively HSA: FAQ
Is the Fidelity HSA or the Lively HSA better?
By our scoring, the Fidelity HSA edges ahead with a Money 8020 score of 97/100 versus 96. The Lively HSA can still be the better fit if individuals who want a no-fee HSA they open themselves.
What is the main difference between the Fidelity HSA and the Lively HSA?
On minimum to invest, the Fidelity HSA offers $0 while the Lively HSA offers Schwab self-directed. Review the full table above and confirm current terms with each provider. This is not financial advice.