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A summary of the articles included in the July 2026 edition:

  • Lively Axis Turns Healthcare Payments Data Into Scalable Intelligence, Cutting Employee Reimbursement Timelines by 50% While Supporting 4x Claims Growth
  • ABA HSA Council Statement in Support of HSA Expansion
  • IRS Announces Higher HSA Limits, Updated Health Plan Thresholds for 2027
  • The Savings Game: HSAs Are a Very Effective Retirement Planning Tool
  • Six Takeaways from the Latest Survey of the Health Savings Account Market


Lively Axis Turns Healthcare Payments Data Into Scalable Intelligence, Cutting Employee Reimbursement Timelines by 50% While Supporting 4x Claims Growth

Lively announced the next evolution of its proprietary platform with Lively Axis — the AI healthcare payments and benefits platform that places the company at the center of healthcare spending, account-based benefits, and consumer financial decision-making.

Lively Axis builds on the accounts, payments, claims, reimbursements, and benefits experiences that shape how people spend on healthcare. $20 billion has already moved through the platform for things such as healthcare payments and benefits transactions, giving Lively visibility into critical spending signals: what people spend on, when and where they spend, how claims move, how reimbursements happen, and how those moments connect to benefits, plan design, payroll, banking, and financial wellbeing.

ABA HSA Council Statement in Support of HSA Expansion

“As Congress weighs the merits of enacting a third reconciliation bill, we support House and Senate leaders in their effort to address healthcare affordability by expanding the number of Americans eligible to open a Health Savings Account. The fastest way to bring savings to seniors, veterans and Native Americans is to end the exclusion of Medicare, VA, TRICARE and Indian Health Service beneficiaries from HSA eligibility. In addition, expanding access to HSAs minimizes opportunities for fraud, especially in the ACA Exchanges, and provides every American the chance to save on their out-of-pocket costs now, through tax-advantaged HSAs.

“The ABA HSA Council supports the president’s efforts to expand HSA eligibility and Rep. Burlison’s effort to give every American the chance to open and contribute to a Health Savings Account. Rep. Burlison’s proposal is consistent with the president’s plan to give more Americans the chance to use their own money to live healthier lives while saving for their future healthcare needs. We urge congressional leaders to allow more Americans access to health savings accounts to help them cover the rising cost of healthcare.”

IRS Announces Higher HSA Limits, Updated Health Plan Thresholds for 2027

The IRS announced inflation-adjusted limits for health savings accounts and related health benefit arrangements for 2027, increasing contribution caps and updating eligibility thresholds for those enrolled in high-deductible health plans.

Under Revenue Procedure 2026-24, published this week, individuals with self-only coverage under a qualifying high-deductible health plan will be able to contribute up to $4,500 to an HSA in 2027. For family coverage, the contribution limit will rise up to $9,000. In 2026, the cap on HSA contributions is $4,400; the cap for family coverage contributions in 2026 is $8,750.

The Savings Game: HSAs Are a Very Effective Retirement Planning Tool

In previous articles, I have pointed out the several advantages of health savings accounts (HSAs).

In a recent article, Forbes contributing writer Bob Carlson pointed out that by the end of 2026, it is expected that there will be approximately 44 million HSA accounts; at the end of 2022, there were approximately 35 million. The amount of money already invested in 2026 is approximately $159 billion; in 2022, the amount invested was $104 billion. At the end of 2024, the average balance was $3,731, or $6,564 for account holders aged 55 and older.

You are allowed to establish an HSA and continue to make contributions as long as long as you are covered by a high-deductible health insurance plan. The maximum contribution in 2026 is $4,400 for individual coverage, and $8,750 for family coverage. An additional $1,000 catch-up contribution is allowed for those 55 and older. You can contribute until you file for Medicare. Even after you file for Medicare, you can continue to maintain the account and receive tax-free interest and dividends.

Six Takeaways from the Latest Survey of the Health Savings Account Market

The Devenir Research 2025 Year-End HSA Market Statistics & Trends report was published in April. Not surprisingly, it shows a vibrant market that is creating financial opportunities for millions of Americans.

Below, we focus on six takeaways from the report. There is much more in the survey, though. You can draw your own conclusions by reading the report here.

ONE. Growth Continues

The market continues to grow along every important measure:

Number of accounts. There were 41.7 million Health Savings Accounts at the end of 2025, representing a 17% jump from three years ago. In January 2026, the number increased to 42.8 million, a 3% increase over the 2025 end-of-year figure.

Account balances. At the end of 2025, Health Savings Account owners had accumulated $173.8 billion to reimburse future qualified expenses tax-free. That’s a growth of 69% versus the end of 2022. The figure jumped to $181 billion, a 3% increase from the end of 2025, as employer front-loaded contributions were deposited into the accounts.