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Index › HR › Compensation and total rewards › HSA & FSA admin › Fidelity HSA vs Navia Benefit Solutions
HSA and FSA administrators · November 2026 Edition

Fidelity HSA vs Navia Benefit Solutions

Two of fourteen models named Fidelity HSA first on the direct prompt; zero named Navia Benefit Solutions. Fidelity HSA was named by fourteen of the fourteen models and Navia Benefit Solutions by twelve and Fidelity HSA carries 53 labels and Navia Benefit Solutions 35, so the shares are not directly comparable.

Fidelity HSA

accepted challenger

Named in one category this edition.

Navia Benefit Solutions

accepted challenger

Named in three categories this edition.

First-choice share7%4%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate4%11%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#5#7A position in a field of 14; printed, not drawn.
Labels5335A count; the two differ.
The two percentage rows are drawn on one 0 to 100 track, Fidelity HSA reading right to left. Rank and label count are printed, not drawn.HealthEquity was named alongside these two in eleven of the fourteen direct answers. Lively vs Fidelity HSA · Lively vs Navia Benefit Solutions · HealthEquity vs Fidelity HSA

Share is the count of first choices across the direct, paraphrase, budget and scale prompts over all fourteen models, for a mid-market B2B company; rank is within the category; every quote names the model and the prompt it came from. Both figures come from the HSA and FSA administrators page.

By framing

How many of the fourteen models made each the first choice, per way of asking, and how many argued against it.
Fidelity HSAFirst choices, of fourteen modelsNavia Benefit Solutions
Direct201 against Fidelity HSA
Paraphrase021 against Navia Benefit Solutions
Comparative601 against Fidelity HSA
Budget-constrained20
Scale-constrained00
Negative303 against Navia Benefit Solutions
Bars are first choices, 0 to 14 each sideModels that argued againstA model can name both, so the two sides of a row do not sum to fourteen.

Across every category in the November 2026 Edition, Fidelity HSA and Navia Benefit Solutions were named in the same answer forty-seven times, of the 137 answers naming Fidelity HSA and the 77 naming Navia Benefit Solutions. In those answers Navia Benefit Solutions took the first choice zero times and Fidelity HSA six.

Every model, every framing

The eighty-four answers behind the chart above, one cell each: where Fidelity HSA and Navia Benefit Solutions stood in it.
ModelDirectParaphraseComparativeBudget-constrainedScale-constrainedNegative
Claude Haiku 4.5
GPT-5.4 mini
Gemini 3.5 Flash
Perplexity Sonar
Grok 4.20
Mistral Small
DeepSeek V4 Flash
Llama 4 Maverick
Qwen 3.7 Flash
Kimi K2
GLM 4.7 FlashX
MiniMax M2.5
GPT-6 Luna
Muse Glimmer 30B
Fidelity HSA Navia Benefit Solutions first choice named as an alternative argued againstblank: not namedEach cell is one answer, Fidelity HSA on the left and Navia Benefit Solutions on the right.

The direct prompt

The plain question, one answer per model, grouped by where Fidelity HSA and Navia Benefit Solutions stood in it.

Fidelity HSA first, Navia Benefit Solutions not the choice

2 of 14 modelsNavia Benefit Solutions was named in the answer but not as the choice, or not at all.
GPT-5.4 miniFidelity HSA alternatives: Paychex, WEX Benefits
GLM 4.7 FlashXFidelity HSA, HealthEquity alternatives: Forma, HSA Bank, WEX Health

Neither was the first choice, one was named

7 of 14 modelsThe answer put something else first and named one of the two as an alternative.
Gemini 3.5 FlashLively alternatives: Fidelity HSA, HealthEquity, WEX Benefits
Grok 4.20HealthEquity alternatives: Businessolver, Navia Benefit Solutions, WEX Health
DeepSeek V4 FlashForma, HealthEquity alternatives: Businessolver, Fidelity HSA, HSA Bank, Navia Benefit Solutions, WEX Benefits
Qwen 3.7 FlashHealthEquity alternatives: Fidelity HSA, Navia Benefit Solutions
Kimi K2Lively alternatives: Fidelity HSA, HealthEquity, Navia Benefit Solutions, WEX Benefits
MiniMax M2.5Businessolver, HealthEquity, WEX Health alternatives: Fidelity HSA, HSA Bank
Muse Glimmer 30BForma, HealthEquity alternatives: Businessolver, Fidelity HSA, WEX Health

Neither was named

5 of 14 modelsThe answer made no first choice from these two in this category.
Claude Haiku 4.5no first choice
Perplexity SonarHealthEquity alternatives: Businessolver, WEX Benefits
Mistral SmallForma, HealthEquity, WEX Health
Llama 4 Maverickno first choice
GPT-6 LunaWEX Benefits alternatives: HealthEquity

Bold names in an answer are the products the judge labeled a first choice; a model naming several gives each of them that label. The full answer text for every row is in the record.

By buyer segment

The same question asked on behalf of a different buyer. Each standing is computed within its segment and they are never added together. The figures above are the mid-market standing, which is the one the category orders by.
Small business
Fidelity HSA leads by six points.
Fidelity HSA10%#2 of 10
Navia Benefit Solutions4%#6 of 10
The full small business standing →
Mid-marketThe figures above
Fidelity HSA leads by four points.
Fidelity HSA7%#5 of 14
Navia Benefit Solutions4%#7 of 14
The full mid-market standing →
Enterprise
Level: the same share of first choices.
Fidelity HSA2%#4 of 13
Navia Benefit Solutions2%#6 of 13
The full enterprise standing →

What the models said about Fidelity HSA

Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Five of six in this category shown.

“notes that its ratings don't assess employer-negotiated HSA plans; price and features in your company's contract may differ” GPT-6 Luna · direct prompt · soft negative
“Fidelity's FSA offering is less mature than their HSA product” Claude Haiku 4.5 · comparative prompt · soft negative
“The largest HSA provider with approximately 24% market share, known for its fee-free structure, no investment minimums” MiniMax M2.5 · comparative prompt · first choice
“compare Fidelity for spending costs, HSA Bank for investing, and HealthEquity for a strong middle ground” GPT-6 Luna · comparative prompt · first choice
“Fidelity | High (only one) | Above Average | No account fees, no investment minimum, 3.56% cash rate” DeepSeek V4 Flash · comparative prompt · first choice

What the models said about Navia Benefit Solutions

Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Five of six in this category shown.

“Repeated complaints include: Claims being denied multiple times without clear explanation” MiniMax M2.5 · negative prompt · hard negative
“Navia Benefit Solutions reported a security incident affecting information accessed between December 22, 2025, and January 15, 2026.” GPT-6 Luna · negative prompt · soft negative
“I'd put Navia first on the shortlist for a mid-sized company” GPT-6 Luna · paraphrase prompt · first choice
“Top Recommendation: Navia” Kimi K2 · paraphrase prompt · first choice
“Strong mid-market TPA with competitive custom pricing ($2.50–$5.50 PEPM at 100+ participants).” DeepSeek V4 Flash · scale prompt · alternative
Also compared
Lively vs Fidelity HSALively vs Navia Benefit SolutionsHealthEquity vs Fidelity HSAHealthEquity vs Navia Benefit SolutionsWEX Benefits vs Fidelity HSAWEX Benefits vs Navia Benefit SolutionsWEX Health vs Fidelity HSAWEX Health vs Navia Benefit SolutionsFidelity HSA vs FormaFidelity HSA vs BusinessolverForma vs Navia Benefit SolutionsNavia Benefit Solutions vs BusinessolverAll twenty-eight head-to-head pages and the full HSA & FSA admin standing

Comparisons are drawn for the top eight products in each category, each against each. The output is the models' output; nothing here is a recommendation by the index.