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

With Lively Axis, its AI healthcare payments and benefits platform, Lively is using healthcare spending data, intelligent infrastructure, and flexible technology to help partners build more connected healthcare and financial experiences.

SAN FRANCISCO--(BUSINESS WIRE)--Lively, Inc., a top-rated health and lifestyle benefits platform* and #1 fastest growing HSA provider according to Devenir¹, known for building the modern Health Savings Account (HSA), today 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.

That intelligence is already improving the moments that matter most for employees. From 2025 to 2026 year-to-date, Lively reduced typical employee reimbursement timelines by 50% through AI Smart Claims Submission, which extracts key details from documents, evaluates claims for eligibility, and enables near-instant approval of the majority of claims. Lively does not rely on AI alone; AI helps accelerate approvals and route claims that need additional review to the appropriate process for human evaluation.

For health plans, benefits administration platforms, consumer-driven healthcare companies, financial services providers, and strategic partners, the opportunity is in connecting siloed benefits context and healthcare spending signals. Health plans know when claims happen. Benefits administrators know what programs are offered. Payroll and banking systems know where money moves. Consumer healthcare companies know where people are seeking care or savings. Lively Axis is designed to turn this fragmented healthcare spending and benefits data into an intelligent AI platform layer that can help partners better understand aggregate consumer spending trends, reduce friction across claims and reimbursements, and build more connected healthcare and financial products.

“Lively Axis expands our business into the broader healthcare and financial ecosystem and enables our partners,” said Alex Cyriac, CEO at Lively. “Because Lively sits close to payment, claims, reimbursements, and benefits activity, we can help partners connect those signals into smarter benefits, wellness, and financial experiences that better support employees at the moments they need it most. Healthcare spending is one of the most important financial decisions consumers make, but the systems around it remain fragmented.”

Lively Axis is built to close that gap. The platform connects account holder activity, payment and reimbursement workflows, claims submissions, employer program data, plan design, utilization patterns, and compliance support into a flexible foundation of AI infrastructure. That foundation supports today’s benefits administration needs while creating pathways into broader healthcare and financial use cases, including claims intelligence, healthcare cost guidance, prescription savings, telehealth navigation, care-related financing, personalized savings recommendations, and partner integrations across the consumer healthcare journey.

“Healthcare consumerism only works if people have the right context at the right moment,” said Shobin Uralil, COO at Lively. “If someone is making a healthcare spending decision, Lively can help connect the dots between their benefits, available funds, claims activity, eligible expenses, and financial options. That is where the platform becomes much more than administration. It becomes the AI intelligence layer for healthcare spending and financial decisions.”

The platform strategy is already producing measurable operating leverage. Lively has:

• Reduced typical employee reimbursement timelines by 50% from 2025 to 2026 year-to-date through AI Smart Claims Submission
• Supported a 4x year-over-year increase in claims submissions with no increase in operational headcount
• Achieved 70% deflection rates for incoming calls with its conversational AI agent
• Achieved a 90% AI chat resolution rate with no human interaction
• Reached a 95% first touch claims substantiation rate
• Increased service leverage by 3x while improving SLAs
• Moved $20B+ through the platform to-date
• Earned a 96% customer satisfaction score (CSAT)

These results demonstrate the value of Lively’s owned AI technology foundation and workflows. Rather than relying on white-labeled infrastructure or disconnected legacy systems, Lively owns its platform end-to-end, giving the company greater control over data, integrations, user experience, service delivery, automation, and product velocity.

Today, across a suite of healthcare and lifestyle benefits, Lively Axis powers faster implementation, claims processing, reimbursement workflows, member support, personalized Open Enrollment guidance, natural-language-generated reporting, and more efficient benefits administration. As the AI platform expands, Lively is deepening connectivity across health plans, benefits administration platforms, banking, claims, payroll, eligibility, healthcare, compliance, and financial systems.

For consumers, employers, and strategic partners, Lively Axis represents a broader platform opportunity. Lively is expanding from benefits administration into an AI infrastructure company at the intersection of healthcare payments, account-based benefits, claims intelligence, consumer financial wellbeing, and ecosystem connectivity.

“Lively Axis is built for flexibility,” said Cyriac. “As healthcare and financial experiences become more connected, this platform gives us the foundation to support new use cases, integrate with new partners, and help consumers navigate and manage healthcare spending with more confidence and less friction.”

With Lively Axis, Lively is defining the next phase of its growth: a scalable, AI platform for healthcare payments, benefits intelligence, and consumer financial wellbeing — built at the intersection of healthcare and finance.

About Lively

Lively is the health and lifestyle benefits provider that gets it right. Our solutions are designed to take the guesswork out of managing benefits and drive efficiency for HR teams. Our innovative platform combines robust features with unparalleled service, to make maximizing your benefits as simple as it should be.

Lively currently offers HSA, FSA, HRA, COBRA, Direct Bill, Commuter, Lifestyle Spending Accounts, and Medical Travel Accounts.

https://livelyme.com/

* Lively’s HSA was top-rated in Morningstar’s 2025 Health Savings Account Landscape, G2, Trustpilot, and Lively's Customer Satisfaction survey.

¹ Devenir Research “2025 Year-End HSA Market Report” Based on percentage growth in total HSA accounts among the top 10 custodians listed by Devenir over the measured period. Rankings reflect Devenir-reported data only. Lively did not pay for participation in, nor commission, this report.