HSA and FSA administrators · November 2026 Edition
Forma vs Businessolver
Three of fourteen models named Forma first on the direct prompt; one named Businessolver. Forma was named by ten of the fourteen models and Businessolver by nine and Forma carries 20 labels and Businessolver 19, so the shares are not directly comparable.
Named in three categories this edition.
Named in two categories this edition.
First-choice share7%4%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate5%0%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#6#8A position in a field of 14; printed, not drawn.
Labels2019A count; the two differ.
The two percentage rows are drawn on one 0 to 100 track, Forma 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 Forma · Lively vs Businessolver · HealthEquity vs Forma
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.
FormaFirst choices, of fourteen modelsBusinessolver
Direct311 against Forma
Paraphrase11
Comparative00
Budget-constrained00
Scale-constrained00
Negative10
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.
Every model, every framing
The eighty-four answers behind the chart above, one cell each: where Forma and Businessolver stood in it.
| Model | Direct | Paraphrase | Comparative | Budget-constrained | Scale-constrained | Negative |
|---|---|---|---|---|---|---|
| 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 | | | |
Forma Businessolver first choice named as an alternative argued againstblank: not namedEach cell is one answer, Forma on the left and Businessolver on the right.The direct prompt
The plain question, one answer per model, grouped by where Forma and Businessolver stood in it.
Forma first, Businessolver an alternative
3 of 14 modelsBusinessolver was named in the answer but not as the choice, or not at all.Mistral SmallForma, HealthEquity, WEX Health
DeepSeek V4 FlashForma, HealthEquity alternatives: Businessolver, Fidelity HSA, HSA Bank, Navia Benefit Solutions, WEX Benefits
Muse Glimmer 30BForma, HealthEquity alternatives: Businessolver, Fidelity HSA, WEX Health
Businessolver first, Forma not the choice
1 of 14 modelsForma was named in the answer but not as the choice, or not at all.MiniMax M2.5Businessolver, HealthEquity, WEX Health alternatives: Fidelity HSA, HSA Bank
Neither was the first choice, one was named
3 of 14 modelsThe answer put something else first and named one of the two as an alternative.Perplexity SonarHealthEquity alternatives: Businessolver, WEX Benefits
Grok 4.20HealthEquity alternatives: Businessolver, Navia Benefit Solutions, WEX Health
GLM 4.7 FlashXFidelity HSA, HealthEquity alternatives: Forma, HSA Bank, WEX Health
Neither was named
7 of 14 modelsThe answer made no first choice from these two in this category.Claude Haiku 4.5no first choice
GPT-5.4 miniFidelity HSA alternatives: Paychex, WEX Benefits
Gemini 3.5 FlashLively alternatives: Fidelity HSA, HealthEquity, WEX Benefits
Llama 4 Maverickno first choice
Qwen 3.7 FlashHealthEquity alternatives: Fidelity HSA, Navia Benefit Solutions
Kimi K2Lively alternatives: Fidelity HSA, HealthEquity, Navia Benefit Solutions, WEX Benefits
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
Forma leads by eight points.
Forma8%#4 of 10Businessolver0%#– of 10Mid-marketThe figures above
Enterprise
What the models said about Forma
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Three of three in this category shown.
“Emerging for flexible spending (including lifestyle accounts) but less traditional for core HSA/FSA” Grok 4.20 · direct prompt · soft negative
“If you want a unified, modern experience with HSAs, FSAs, LSAs and HRAs on one platform, Forma is the most frequently promoted option in 2026-2027 vendor lists.” Muse Glimmer 30B · direct prompt · first choice
“Forma is highlighted for its first-dollar ETF investing and human support, making it a strong choice for mid-market companies looking for a unified solution.” Mistral Small · direct prompt · first choice
What the models said about Businessolver
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Three of four in this category shown.
“Businessolver or WEX Health are top recommendations due to their comprehensive platforms, scalability, and strong track records” Mistral Small · paraphrase prompt · first choice
“I'd recommend getting quotes from at least HealthEquity, WEX Health, and Businessolver” MiniMax M2.5 · direct prompt · first choice
“Businessolver, WEX Health, Fidelity HSA, HSA Bank, Further, Tasc and Ameriflex are the other mid-market staples most often cited” Muse Glimmer 30B · direct prompt · alternative
Also compared
Lively vs FormaLively vs BusinessolverHealthEquity vs FormaHealthEquity vs BusinessolverWEX Benefits vs FormaWEX Benefits vs BusinessolverWEX Health vs FormaWEX Health vs BusinessolverFidelity 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.