# HSA and FSA administrators: what AI models recommend, October 2026

Gane Index, October 2026 Edition. Asked as "HSA and FSA administrator" and as "consumer-directed benefits administrator", six framings each, to fourteen models with search on, on behalf of a mid-market B2B company. Added to the October 2026 Edition on October 4, 2026. Page: https://www.gane.ai/index/hr/rewards/hsa-and-fsa-administration/2026-10

This is the permanent record of the October 2026 Edition, published October 1, 2026 and superseded since. The current standing: https://www.gane.ai/index/hr/rewards/hsa-and-fsa-administration/index.md

**Standing:** HealthEquity leads with 29% of first choices; verdict contested. 48 first choices across the direct, paraphrase, budget and scale prompts.

## First-choice share

| Rank | Product | Share | Negative rate | Labels |
|---|---|---|---|---|
| 1 | [HealthEquity](https://www.gane.ai/index/hr/vendors/healthequity/index.md) | 29% | 20% | 59 |
| 2 | [Lively](https://www.gane.ai/index/hr/vendors/lively/index.md) | 15% | 6% | 34 |
| 3 | [Fidelity HSA](https://www.gane.ai/index/hr/vendors/fidelity-hsa/index.md) | 10% | 3% | 37 |
| 4 | [WEX Benefits](https://www.gane.ai/index/hr/vendors/wex-benefits/index.md) | 6% | 25% | 32 |
| 5 | [WEX Health](https://www.gane.ai/index/hr/vendors/wex-health/index.md) | 6% | 12% | 17 |
| 7 | [Businessolver](https://www.gane.ai/index/hr/vendors/businessolver/index.md) | 4% | 0% | 11 |
| 8 | [Navia Benefit Solutions](https://www.gane.ai/index/hr/vendors/navia-benefit-solutions/index.md) | 4% | 17% | 18 |
| 11 | [Benepass](https://www.gane.ai/index/hr/vendors/benepass/index.md) | 2% | 8% | 13 |
| 12 | [HSA Bank](https://www.gane.ai/index/hr/vendors/hsa-bank/index.md) | 2% | 28% | 36 |
| 17 | [Flores](https://www.gane.ai/index/hr/vendors/flores/index.md) | 0% | 0% | 10 |
| 18 | [Further](https://www.gane.ai/index/hr/vendors/further/index.md) | 0% | 0% | 10 |
| 54 | [Optum Financial](https://www.gane.ai/index/hr/vendors/optum-financial/index.md) | 0% | 30% | 10 |

Rank is by share of first choices among all 109 products named; products with the same share are tied, and the order among them carries no meaning. The table lists those with at least 10 labels.

## Each model's first choice on the direct prompt

- Claude Haiku 4.5: HealthEquity; alternatives Ameriflex, Sentinel Benefits & Financial Group, WEX Benefits
- GPT-5.4 mini: Forma; alternatives Lively, WEX Benefits
- Gemini 3.5 Flash: Benepass, Forma; alternatives Fidelity HSA, Lively, Navia Benefit Solutions, Sentinel Benefits
- Perplexity Sonar: HealthEquity; alternatives Associated Benefits Connection / Associated Bank, Benepass, WEX Benefits
- Grok 4.20: HealthEquity, Lively; alternatives Fidelity HSA
- Mistral Small: no first choice
- DeepSeek V4 Flash: HealthEquity, WEX Health; alternatives Fidelity HSA, Lively, Navia Benefit Solutions
- Llama 4 Maverick: no first choice
- Qwen 3.7 Flash: Lively; alternatives Fidelity HSA, Further Health, HSA Bank, HealthEquity
- Kimi K2: Flores Financial Services; alternatives Businessolver, HealthEquity, WEX Health
- GLM 4.7 FlashX: Businessolver; alternatives Alegeus, Fidelity HSA, Flores, HSA Bank
- MiniMax M2.5: HealthEquity; alternatives Businessolver, Further, WEX Health
- GPT-6 Luna: WEX Benefits; alternatives HealthEquity
- Muse Glimmer 30B: HealthEquity; alternatives Allegiance, Lively, WEX Health

## Sources the answers cite

79 of 84 answers came back with a source list, from 14 of 14 models. Sites named in the most answers:

- hrtechsaas.com: 53 answers, 86 citations
- getbenepass.com: 29 answers, 37 citations
- wifitalents.com: 27 answers, 33 citations
- zipdo.co: 26 answers, 35 citations
- hsaforamerica.com: 22 answers, 25 citations
- livelyme.com: 21 answers, 35 citations
- myshortlister.com: 21 answers, 30 citations
- worldmetrics.org: 18 answers, 20 citations

Pages named in the most answers:

- https://hrtechsaas.com/blog/best-fsa-hsa-administrators-mid-market-employers (50 answers)
- https://zipdo.co/service/fsa-administration (22 answers)
- https://getbenepass.com/blog/fsa-providers (19 answers)
- https://hrtechsaas.com/blog/employee-benefits-technology-stack (18 answers)
- https://hsaforamerica.com/admins-recommended (18 answers)
- https://soteriahr.com/benefits-administration-solutions (16 answers)
- https://wifitalents.com/service/fsa-administration (16 answers)
- https://solutions.mycafehealth.com/solutions.php?Action=1&k=hsa-providers&PageID=611751 (15 answers)
- https://worldmetrics.org/service/fsa-administration (15 answers)
- https://getbenepass.com/blog/best-hsa-providers (14 answers)

## Warned against

- HealthEquity: 12 of 59 labels negative. "HealthEquity has a very low rating (1.2/5) on Trustpilot, with many users reporting issues with customer service, account access, and problems with payments and refunds." (Mistral Small, negative prompt)
- HSA Bank: 10 of 36 labels negative. "HSA Bank has numerous complaints about poor customer support, website and app functionality, and difficulties accessing or transferring funds." (Mistral Small, negative prompt)
- WEX Benefits: 8 of 32 labels negative. "Avoid for tight budgets: Larger players like WEX or Navia (~$4+ PEPM)" (Grok 4.20, budget prompt)
- TASC: 4 of 15 labels negative. "TASC is one of the most complained-about FSA administrators, particularly regarding the ease of getting reimbursed." (Gemini 3.5 Flash, negative prompt)

## Record

- Method: https://www.gane.ai/index/hr/methodology
- License: CC BY 4.0. Cite as Gane Index, October 2026 Edition, www.gane.ai/index/hr.