Lively, Inc.

💬 When a new client tells us they’re dreading implementation, we take that seriously. This wasn’t a polished pitch or a scripted demo — just an honest conversation between Charles (Chad) Benoit and Brianna Yoder (Benard) about what actually helps HR teams during rollout. They talk through what real support looks like: multilingual resources, materials that meet employees where they are (yes, even in the break room), and how to take the load off HR instead of adding to it. 🎥 Watch the full conversation here: https://hubs.ly/Q03SQ_K10 #LivelyHSA #OpenEnrollment #HRSupport

Your HR tech stack says “self-serve.” Your inbox says otherwise. Employees are confused. Brokers are swamped. And HR teams are stuck in the middle again, answering the same benefits questions on repeat. Brianna Yoder (Benard) and Charles (Chad) Benoit sat down to talk through what’s really happening during end-of-year transitions — and why blockers to employee adoption, like login issues or “what is this account?” moments, still haven’t gone away. They explain how the combination of a 24/7 AI chatbot and Lively IQ gives employees the guidance they need, without relying on HR to manually explain every step. 🎥Watch the full conversation below #Lively #OpenEnrollment #EmployeeExperience #HRSupport

If you’re a new benefits broker, Open Enrollment doesn’t have to feel like chaos. After years of helping brokers and HR teams navigate this season, here are five things every new broker should focus on: ✅ Get ahead of key dates. Work backward from the plan start date — deadlines come sooner than you think. ✅ Stay compliant. 2026 IRS updates and OBBB rules are changing the game. ✅ Understand your clients’ tech stack. Digital enrollment isn’t optional anymore. ✅ Be more than a plan quoter. Educator, project manager, compliance guide — that’s what clients need. ✅ Help clients manage costs smartly. HDHPs + HSAs + education = long-term savings. Open Enrollment is where trust is built. The more organized, proactive, and communicative you are, the more renewals you’ll win. What’s your top OE tip for first-time brokers? #Lively #OpenEnrollment #EmployeeBenefits

HDHPs can help lower your monthly premiums but they’re not right for everyone. Before you decide, ask yourself: • How often do you use healthcare services? • Could you afford a large bill before meeting your deductible? • Does your employer contribute to an HSA? • Do you prefer predictable copays or more spending control? • Are you planning ahead for future healthcare costs? Asking these questions can help you find a plan that fits your health, budget, and long-term goals. You can find more on this topic in the comments below 👇 #Lively #HSA #OpenEnrollment #EmployeeBenefits

Health insurance is already complicated. And now, with premiums expected to rise in 2026, it’s becoming an even bigger financial concern. If you're self-employed, managing a household, or simply trying to stay covered, these changes may hit closer to home. This piece breaks down what’s happening and offers a few ways to prepare, even if you’re not sure where to start. 🔗 Read more: https://hubs.la/Q03NYD8L0

For employees, rising premiums aren’t abstract numbers. They show up in paychecks, in family budgets, and in how secure people feel about their benefits. Employers who address the issue with clarity and empathy will set themselves apart: ✔️ Explaining why costs are changing ✔️ Providing tools to manage healthcare expenses ✔️ Supporting overall financial wellness Premiums are going up. The challenge is making sure employee confidence doesn’t go down. Our article dives deeper into practical steps employers and brokers can take to manage rising costs in 2026. Explore what’s behind 2026 rate hikes and how to prepare: https://hubs.la/Q03MLhpR0

OE season is one of the most pressure-filled times of year for HR teams. If you’ve ever felt like you’re sprinting through plan changes, last-minute comms, and endless questions — you’re not alone. That’s why we mapped out the full OE season across 3 key phases — Prep, Process, and Post-Mortem — with step-by-step reminders to help you stay ahead (and breathe). ✅ Includes checklists for each stage ✅ Supports both large teams and solo HR pros ✅ Helps you reduce last-minute chaos 🔗 See how to simplify the entire OE cycle: https://hubs.la/Q03MLd7V0

🎙️ Lively Conversations: The Top Employer Compliance Questions From contribution strategies and FSA rules to non-discrimination testing and employee notifications — compliance during open enrollment can get tricky. In this episode, Regional Sales Director Rick Sutter and General Counsel Jordan Mazur break down the top questions employers and brokers are asking and how to stay ahead of them. What’s covered: • Offering different contribution amounts — the right way • Ineligible HSA and FSA spending • FSA carryover vs. grace period • Non-discrimination testing (and why it matters) • Employee notification requirements Ideal for: • HR professionals managing plan design and communication • Brokers guiding clients through open enrollment • Employers reviewing benefits strategy before Q4  ➡️ Watch the full episode: https://lnkd.in/ePHD_aGt

📣 Open enrollment is almost here, and change management is top of mind for brokers, employers, and HR teams. In our latest Lively Conversations, Charles (Chad) Benoit from Broker Strategy and Nafisa M. from Product Marketing share how to guide employees through plan changes with confidence. They cover ways to communicate across generations and help employees feel comfortable adopting their benefits. The key takeaway: change management is not just HR’s job. It requires partnership between brokers, employers, and marketing to make open enrollment a success. 👉 Watch the full conversation: https://lnkd.in/eCmAvYMS

📰 Media spotlight: BenefitsPRO highlights insights from our 2025 HSA Spend Report and the growing education gap that’s limiting HSA adoption. While HSAs are helping more people manage real-time medical costs, strategic benefits like tax-free investing still go underused. Why? Because most employees aren’t being taught how to take full advantage of their HSA. We believe education is just as important as the product and it’s time to treat it that way. 📖 Read the article: https://hubs.la/Q03CzrCW0 📊 Link to the full 2025 Spend Report in the comments ⬇️ #LivelyHSA #hsa #healthbenefits