HSA and FSA administrators · November 2026 Edition
Forma vs Navia Benefit Solutions
Three of fourteen models named Forma first on the direct prompt; zero named Navia Benefit Solutions. Forma was named by ten of the fourteen models and Navia Benefit Solutions by twelve and Forma carries 20 labels and Navia Benefit Solutions 35, so the shares are not directly comparable.
Named in three categories this edition.
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 rate5%11%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#6#7A position in a field of 14; printed, not drawn.
Labels2035A 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 Navia Benefit Solutions · 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 modelsNavia Benefit Solutions
Direct301 against Forma
Paraphrase121 against Navia Benefit Solutions
Comparative00
Budget-constrained00
Scale-constrained00
Negative103 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.
Every model, every framing
The eighty-four answers behind the chart above, one cell each: where Forma and Navia Benefit Solutions 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 Navia Benefit Solutions first choice named as an alternative argued againstblank: not namedEach cell is one answer, Forma on the left and Navia Benefit Solutions on the right.The direct prompt
The plain question, one answer per model, grouped by where Forma and Navia Benefit Solutions stood in it.
Forma first, Navia Benefit Solutions an alternative
3 of 14 modelsNavia Benefit Solutions 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
Neither was the first choice, one was named
4 of 14 modelsThe answer put something else first and named one of the two as an alternative.Grok 4.20HealthEquity alternatives: Businessolver, Navia Benefit Solutions, WEX Health
Qwen 3.7 FlashHealthEquity alternatives: Fidelity HSA, Navia Benefit Solutions
Kimi K2Lively alternatives: Fidelity HSA, HealthEquity, Navia Benefit Solutions, WEX Benefits
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
Perplexity SonarHealthEquity alternatives: Businessolver, WEX Benefits
Llama 4 Maverickno first choice
MiniMax M2.5Businessolver, HealthEquity, WEX Health alternatives: Fidelity HSA, HSA Bank
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 four points.
Forma8%#4 of 10Navia Benefit Solutions4%#6 of 10Mid-marketThe figures above
Forma leads by four points.
Forma7%#6 of 14Navia Benefit Solutions4%#7 of 14Enterprise
Forma leads by six points.
Forma9%#3 of 13Navia Benefit Solutions2%#6 of 13What 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 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 FormaLively vs Navia Benefit SolutionsHealthEquity vs FormaHealthEquity vs Navia Benefit SolutionsWEX Benefits vs FormaWEX Benefits vs Navia Benefit SolutionsWEX Health vs FormaWEX Health vs Navia Benefit SolutionsFidelity HSA vs FormaFidelity HSA vs Navia Benefit SolutionsForma vs BusinessolverNavia 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.