Business HSA

A First Financial Northwest Bank Health Savings Account, powered by Lively, offers intuitive features, and a flexible benefits program design to help your employees maximize use of their HSAs and simplify HSA administration for you.

Employer Benefits

Payroll tax savings:

Save on FICA taxes on every employee and/or employer contribution made to employees HSAs through payroll.

Healthcare premium savings:

Offer a High Deductible Health Plans (HDHP)/HSA combination to save up to 20% in monthly healthcare premiums, and reduce your overall cost per employee.

Enhanced benefits package:

Equip your employees with a dedicated triple tax advantaged account for healthcare expenses to help combat the rising costs of healthcare.

Dedicated support:

Both you and your employees will have access to a dedicated customer success team throughout the year (not just during onboarding), and a readily available account holder support team.

HSA Debit Card, the quick way to pay!

An easy and convenient way for your employees to pay for eligible medical expenses. Find out what is covered HERE

The Lively Mobile App!

The Lively mobile app allows your employees to access and to manage their accounts from anywhere.

No Hidden Fees:

Your employees will never be surprised with Lively’s transparent fee schedule.

A First Financial Northwest Bank Health Savings Account, powered by Lively, offers intuitive features, and a flexible benefits program design to help your employees maximize use of their HSAs and simplify HSA administration for you.

Account Sign In

A Benefits Solution for Easy HSA Administration

Getting your HSA program up and running should not be hard. Lively's team works with you to build your program within weeks, not months.
Access reports right from your employer to dashboard to understand how employees are engaging with their HSAs.
Lively proactively provides a suite of resources to guide your employees on contributions, and help them understand the growth potential of their savings.

Some Frequently Asked Questions

How much does FFNWB HSA, powered by Lively, cost?
Standard pricing is $2.95 per participant per month, with a minimum monthly fee of $50. This may vary depending on the number or enrolled employees or preferred pricing.
What is the benefit of offering an Employee Health Savings Account?
Employees benefit from an HSA because they can save and spend tax free on eligible medical expenses when paired with a High Deductible Health Insurance Plan. As an employer you may benefit too, by saving on payroll taxes.² Calculate tax benefits.
Can an employer contribute different amounts to different employees?
Employer contributions to eligible employees’ HSAs must be treated as comparable. Comparable contributions must be made to all eligible employees enrolled in a qualifying HDHP, are in the same category of employment (full-time, part-time, former employees, and collectively bargained), same category of coverage (self, self +1, self+2, self +3). In order for it to be considered comparable, an employer must contribute the same dollar amount or percentage amount to everyone in that category.
Additionally, the higher coverage categories can’t have a lower contribution amount compared to the lower coverage (self +1 has to be greater than self).
Are employer contributions tax-deductible?
For sole proprietors, partnerships, and S-corporations, contributions to a partner’s HSA will be treated as a distribution to the partner and included in the partner’s income and may be deductible by the partner but not by the business. For larger corporations (e.g., C-corps), employer contributions are treated as employer provided coverage for medical expenses under an accident or health plan and therefore tax-deductible.
What happens if an employee leaves the company?
Employees own their HSA and continue to do so if they leave your company or the health plan. Once Lively receives the termination information, we convert the HSA from an employee account to an individual account and remove the employee’s association to your company. We will send them communications around the ongoing benefits of their Lively HSA and inform them the account is fee-free for them moving forward.
Are there HSA investment options for employees?
A FFNWB HSA provides access to personalized investment solutions that provide account holders more control over their investment strategy, including the option to start investing with no minimum balance.¹ Learn more about investment options.
Are my employee’s HSA funds FDIC insured?
HSA deposits that are on deposit (and not invested) are insured up to the FDIC maximum of $250,000.00
Do you need further assistance?
If a client needs assistance with enrollment or would like to discuss our HSA offering further,
please contact us at hsa at ffnwb dot com or call 833-613-3692.

If an existing HSA client needs assistance, please contact:
- Phone 833-596-1226
- Email - support at livelyme dot com
- Live Chat via Lively.com website
Monday thru Friday, 6am to 6pm PT

A First Financial Northwest Bank Health Savings Account, powered by Lively, offers intuitive features, and a flexible benefits program design to help your employees maximize use of their HSAs and simplify HSA administration for you.

Account Sign In

Disclosures:

FDIC insured through First Financial Northwest Bank, for so long as funds remain uninvested and on deposit with First Financial Northwest Bank. First Financial Northwest Bank Health Savings Accounts, powered by Lively are provided by Lively, are provided by Lively Inc. and are subject to their approval. Lively is not affiliated with First Financial Northwest Bank.

¹ Investments options for HSAs in the custody of Lively, Inc. are provided by Charles Schwab & Co., Inc. and Devenir; fees may apply. Investments are: NOT FDIC INSURED – NOT BANK GUARANTEED – NOT A DEPOSIT – MAY LOSE VALUE. Investment products offered involve investment risk, including possible loss of principal.

² Contributions to and earnings on HSAs are not subject to federal taxes but may be subject to state taxes depending on where you reside. First Financial Northwest Bank does not provide tax or legal advice. Seek the advice of your own tax and legal professionals to ensure your compliance with applicable HSA and other laws.

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Business HSA

A First Financial Northwest Bank Health Savings Account, powered by Lively, offers intuitive features, and a flexible benefits program design to help your employees maximize use of their HSAs and simplify HSA administration for you.

Employer Benefits

Payroll tax savings:

Healthcare premium savings:

Enhanced benefits package:

Dedicated support:

How to Make Payments and Manage Funds Directly with an HSA

HSA Debit Card, the quick way to pay!

The Lively Mobile App!

No Hidden Fees:

A First Financial Northwest Bank Health Savings Account, powered by Lively, offers intuitive features, and a flexible benefits program design to help your employees maximize use of their HSAs and simplify HSA administration for you.

A Benefits Solution for Easy HSA Administration

Some Frequently Asked Questions

How much does FFNWB HSA, powered by Lively, cost?

What is the benefit of offering an Employee Health Savings Account?

Can an employer contribute different amounts to different employees?

Are employer contributions tax-deductible?

What happens if an employee leaves the company?

Are there HSA investment options for employees?

Are my employee’s HSA funds FDIC insured?

Do you need further assistance?

A First Financial Northwest Bank Health Savings Account, powered by Lively, offers intuitive features, and a flexible benefits program design to help your employees maximize use of their HSAs and simplify HSA administration for you.

Disclosures: