Comparison

HCLive vs 3P Benefits

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

HCLive

Manage your health benefit accounts like HSA, HRA, and FSA with ease. Quickly check balances, view claims, and submit receipts on the go. Securely access and manage all your important account information anytime, anywhere.

Highlights
  • Check account balances 24/7
  • View account summaries and claims
  • File claims and upload receipts
  • Manage HSA transactions
  • Pay bills and add payees
  • Report lost or stolen debit cards
Features
Read full description

Save time and hassles while making the most of your HSA, HRA, and FSA health benefit accounts by quickly checking your balances and details. Our secure app makes managing your health benefits easy through real-time access and intuitive navigation to all your important account information on the go! Powerful features of the app include: Easy, Convenient & Secure • Simply login to the intuitive app using your same health benefits website username and password (or follow alternative instructions if provided) • No sensitive account information is ever stored on your mobile device Connects You with the Details • Quickly check available balances 24/7 • View charts summarizing account(s) • View claims requiring receipts • Click to call or email Customer Service Provides Additional Time-Saving Options (if supported or applicable to your account(s)) • File a claim towards your medical FSA and HRA • Take or upload a picture of a receipt and submit for a new or existing claim • View, contribute and distribute HSA transactions • Pay bills from any account and add a payee • Using the Dashboard, enter medical expense information and supporting documentation • Retrieve your forgotten username/password • Report a debit card as lost or stolen Powered by WEX Health®

About

3P Benefits

Features
Read full description

Save time and hassles while making the most of your HSA, HRA, and FSA health benefit accounts by quickly checking your balances and details. Our secure app makes managing your health benefits easy through real-time access and intuitive navigation to all your important account information on the go! Powerful features of the app include: Easy, Convenient & Secure • Simply login to the intuitive app using your same health benefits website username and password (or follow alternative instructions if provided) • No sensitive account information is ever stored on your mobile device Connects You with the Details • Quickly check available balances 24/7 • View charts summarizing account(s) • View claims requiring receipts • Click to call or email Customer Service Provides Additional Time-Saving Options (if supported or applicable to your account(s)) • File a claim towards your medical FSA and HRA • Take or upload a picture of a receipt and submit for a new or existing claim • View, contribute and distribute HSA transactions • Pay bills from any account and add a payee • Using the Dashboard, enter medical expense information and supporting documentation • Retrieve your forgot username/password • Report a debit card as lost or stolen Powered by WEX Health®

Screenshots

HCLive4 screens
3P Benefits3 screens

Verdict

The call

HCLive and 3P Benefits are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

HCLive ships an update every 3 months, 3P Benefits every 4 months. The most recent releases landed on September 18, 2026 and October 8, 2026 respectively.

ScorecardNo meaningful differences
HCLive versus 3P Benefits: the parameters behind the verdict, then further details
ParameterHCLive3P Benefits
PriceFreeFree
Positive reviews100.0% of reviews—
Update frequencyEvery 3 months — betterEvery 4 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPadiPhone, iPad
Requires iOS17.017.0
Further details — not scored
Size29 MB29 MB
Age rating4+17+
DeveloperEvolution1, Inc.3P Benefit Solutions, LLC

In-app purchases

None

HCLive

No in-app purchases

None

3P Benefits

No in-app purchases

Questions

Is HCLive free?
HCLive is free to download, with no in-app purchases.
Is 3P Benefits free?
3P Benefits is free to download, with no in-app purchases.
Do HCLive or 3P Benefits have ads?
Neither HCLive nor 3P Benefits shows ads.
Which is updated more often, HCLive or 3P Benefits?
HCLive ships an update every 3 months, and 3P Benefits every 4 months. Most recently, HCLive was updated on September 18, 2026 and 3P Benefits on October 8, 2026.

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