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Remodel Health and Lively add HSA setup to CHOICE plan shopping

What the optional HSA workflow changes, who handles account support, and what employers and employees still need to verify.

By ICHRA Report · Published

Provider announcement

Remodel Health and Lively announced an optional HSA setup inside Remodel Health’s CHOICE Arrangement shopping on November 3. Employees whose employer adds the feature can choose eligible individual coverage and start opening a Lively health savings account in the same workflow. The employer still has to set up an HSA-compatible ICHRA, and the employee must qualify to contribute. source source source

How the two services fit together

Remodel Health describes helping the employer design its reimbursement arrangement, guiding employees through individual plan selection and sending enrollment information to Lively. Lively activates and services the HSA. A worker uses Remodel Health for plan selection, premiums or reimbursements, and Lively for the HSA balance, debit card, eligible spending and tax documents. source source

The ICHRA reimburses expenses the employer’s plan allows. The HSA is owned by the individual, who can carry its balance forward. Money an employee did not claim from the ICHRA cannot be transferred into the HSA. Eligible HSA contributions are separate and may come from the employee, employer or both. source source

What to verify before contributing

  1. The insurance policy. Verify the exact plan. IRS Notice 2026-5 treats individual Bronze and Catastrophic plans available through an Exchange as high-deductible health plans for HSA purposes. The same plan can qualify if bought off-exchange. Check the notice for additional off-exchange guidance.
  2. The HRA design. A premium-only ICHRA is a common option. An appropriately limited-purpose or post-deductible arrangement can also be compatible. A post-deductible arrangement must use the applicable federal minimum deductible and exclude expenses incurred before it is met.
  3. The employee’s coverage. Check other coverage, including a general-purpose health FSA that covers the employee, Medicare enrollment and whether another taxpayer can claim the employee as a dependent.

For calendar year 2027, the standard contribution limits are $4,500 for self-only coverage and $9,000 for family coverage. The amount an employee can actually contribute depends on eligibility and other applicable rules. Check the HSA and tax-credit guide for the separate Marketplace tax-credit question. source source source

What to ask for in a written proposal

Confirm availability for the named Remodel Health product, the proposed HRA reimbursement terms, which payroll contribution options are supported and who handles eligibility or setup errors. Request the HSA fees for the employer and employee, including any optional investment fees. The announcement and product page do not supply a full combined price or establish that PeopleKeep offers the same integration. source source

See the Remodel Health review or the Remodel Health and PeopleKeep comparison for the broader service and pricing questions.

Sources and evidence

1
Remodel Health — Remodel Health and Lively bring HSAs into the CHOICE Arrangement experienceNovember 3 announcement describes optional HSA onboarding within Remodel Health’s CHOICE shopping. The announcement does not establish a full price or feature availability across related products.Source reviewed 2026-11-04
 2
Remodel Health — Remodel Health HSA, powered by LivelyProduct page describes the employer opt-in, shopping workflow and compatible arrangement designs. Confirm the exact product, payroll setup and fee schedule.Source reviewed 2026-11-04
 3
Lively — How does my Lively HSA work with my Remodel Health ICHRA?Joint customer support instructions distinguish Remodel Health’s insurance and reimbursement duties from Lively’s HSA account, card and tax support.Source reviewed 2026-11-04
 4
Internal Revenue Service — Notice 2026-5: HSA eligibility guidanceNotice 2026-5, Q&A 4–8: qualifying individual bronze/catastrophic plans, ICHRA interaction, and off-Exchange coverage. Plan eligibility does not establish an individual's eligibility to contribute.Source reviewed 2026-09-11
 5
Internal Revenue Service — Publication 969, Health Savings Accounts and Other Tax-Favored Health PlansQualifying for an HSA contribution, effects of other coverage, and limited-purpose and post-deductible arrangements. Use newer IRS guidance for specific deemed-HDHP rules and 2027 limits.Source reviewed 2026-11-04
 6
Internal Revenue Service — Revenue Procedure 2026-24, 2027 HSA and HDHP inflation adjustmentsSection 3 sets calendar-year 2027 HSA contribution limits and standard HDHP thresholds separately from the excepted-benefit HRA limit.Source reviewed 2026-11-04

Review dates are recorded for each source above. Company pages are useful for confirming how a product is described, but they do not prove service quality or customer results.