# Lively: how AI models rank it, November 2026

Gane Index, November 2026 Edition. Named in 42 judge labels across 2 categories by 14 of 14 models. Page: https://www.gane.ai/index/hr/vendors/lively

## Standing by category

| Category | Share | Rank | Negative rate | Labels |
|---|---|---|---|---|
| [HSA and FSA administrators](https://www.gane.ai/index/hr/rewards/hsa-and-fsa-administration/index.md) | 26% | 1 | 3% | 39 |
| [Flexible benefits and lifestyle spending accounts](https://www.gane.ai/index/hr/rewards/flexible-benefits-and-lifestyle-spending-accounts/index.md) | 0% | 32 | 0% | 3 |

## What the models said for it

- "For most mid-market B2B companies, Lively offers the best combination of modern technology, transparent pricing, and strong customer service." (Kimi K2, HSA & FSA admin)
- "Lively is likely the best starting point if you want one modern platform for both HSA and FSA administration" (Perplexity Sonar, HSA & FSA admin)
- "Lively is likely the best choice because: It offers both HSA and FSA administration under one platform" (MiniMax M2.5, HSA & FSA admin)
- "Highly rated for its user-friendly platform and low fees, making it a strong choice for small businesses" (Mistral Small, HSA & FSA admin)

## And against it

- "Rated “Above Average” for spending, “Average” for investing." (Mistral Small, HSA & FSA admin)

## By model

| Model | First choice | Alternative | Mention | Warning | Labels |
|---|---|---|---|---|---|
| Claude Haiku 4.5 | 1 | 0 | 0 | 0 | 1 |
| GPT-5.4 mini | 1 | 0 | 1 | 0 | 2 |
| Gemini 3.5 Flash | 2 | 3 | 1 | 0 | 6 |
| Perplexity Sonar | 1 | 0 | 1 | 0 | 2 |
| Grok 4.20 | 1 | 2 | 2 | 0 | 5 |
| Mistral Small | 1 | 0 | 0 | 1 | 2 |
| DeepSeek V4 Flash | 2 | 0 | 1 | 0 | 3 |
| Llama 4 Maverick | 0 | 0 | 2 | 0 | 2 |
| Qwen 3.7 Flash | 0 | 1 | 0 | 0 | 1 |
| Kimi K2 | 2 | 0 | 1 | 0 | 3 |
| GLM 4.7 FlashX | 1 | 3 | 1 | 0 | 5 |
| MiniMax M2.5 | 3 | 0 | 1 | 0 | 4 |
| GPT-6 Luna | 0 | 1 | 1 | 0 | 2 |
| Muse Glimmer 30B | 0 | 1 | 3 | 0 | 4 |

## Sources returned with these answers

The sites and pages cited by the answers that named Lively, from 127 of the 132 answers that named it (only the models that return a source list).

### Domains cited

- joinforma.com: 87
- gane.ai/index: 74
- getapp.com: 53
- hrtechsaas.com: 49
- livelyme.com: 48 (its own site)
- hsaforamerica.com: 46
- leadchangegroup.com: 43
- g2.com: 39
- healthequity.com: 29
- thehsareportcard.com: 29

### Pages cited

- https://joinforma.com/resources/best-hsa-accounts: 73
- https://getapp.com/hr-employee-management-software/benefits-administration/f/hsa-fsa-administration: 50
- https://www.gane.ai/index/hr/rewards/hsa-and-fsa-administration/smb: 45
- https://hsaforamerica.com/admins-recommended: 42
- https://hrtechsaas.com/blog/best-fsa-hsa-administrators-mid-market-employers: 33
- https://hraddict.com/hsa-fsa-administration-systems: 28
- https://mployeradvisor.com/blog/2026-benefits-state-of-the-union---health-savings-accounts-utilization-funding-levels: 28
- https://leadchangegroup.com/hsa-fsa-administration: 26

## In its own words

What Lively's own pages state, read 2026-10-05. Stated by the vendor, not checked by the index.

- Positioning: Best Health Savings Account and flexible benefits provider for individuals, brokers, and employers. (https://livelyme.com/)
- For: individuals, brokers, consultants, and employers (https://livelyme.com/)
- Price stated: Transparent HSA pricing. Zero hidden fees. (https://livelyme.com/)
- Starting price: $0.00 (https://livelyme.com/)
- Free plan or trial: Free for individuals & families (https://livelyme.com/)
- Certifications: SOC 2, SOC 1, HIPAA, CCPA, PCI DSS
- Hosting: us-west-1, us-east-2
- Customers named: Francis Howell School District, UCAN, ZGA Architects, Precision Media Solutions, BMO Bank, Precision Media

## What it publishes

Every page livelyme.com exposes, read 2026-09-29: 1621 addresses. By kind, pages and the last 90 days:

- blog: 517 pages, 0 in the last 90 days, latest undated
- case study: 5 pages, 0 in the last 90 days, latest undated
- webinar or virtual event: 3 pages, 0 in the last 90 days, latest undated
- conference or event: 4 pages, 0 in the last 90 days, latest undated
- report or ebook: 21 pages, 0 in the last 90 days, latest undated
- comparison: 19 pages, 0 in the last 90 days, latest undated
- template or tool: 9 pages, 0 in the last 90 days, latest undated
- glossary or explainer: 15 pages, 0 in the last 90 days, latest undated

## Record

- Method: https://www.gane.ai/index/hr/methodology
- License: CC BY 4.0. Cite as Gane Index, November 2026 Edition, www.gane.ai/index/hr.