Gane Index
All indexesEvery index and its categoriesGTMMarketing, sales, customer and revenue operations softwareITSecurity, IT operations, cloud, developer and data softwareHRHR, payroll, recruiting, performance and learning softwareFinanceAccounting, planning, spend, billing and treasury software
Claim your listing
Index › HR › Compensation and total rewards › HSA & FSA admin › HealthEquity vs Navia Benefit Solutions
HSA and FSA administrators · November 2026 Edition

HealthEquity vs Navia Benefit Solutions

Eight of fourteen models named HealthEquity first on the direct prompt; zero named Navia Benefit Solutions. HealthEquity was named by fourteen of the fourteen models and Navia Benefit Solutions by twelve and HealthEquity carries 60 labels and Navia Benefit Solutions 35, so the shares are not directly comparable.

HealthEquity

accepted challenger

Named in two categories this edition.

Navia Benefit Solutions

accepted challenger

Named in three categories this edition.

First-choice share22%4%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate18%11%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#2#7A position in a field of 14; printed, not drawn.
Labels6035A count; the two differ.
The two percentage rows are drawn on one 0 to 100 track, HealthEquity reading right to left. Rank and label count are printed, not drawn.Fidelity HSA was named alongside these two in eight of the fourteen direct answers. Lively vs HealthEquity · Lively vs Navia Benefit Solutions · HealthEquity vs WEX Benefits

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.
HealthEquityFirst choices, of fourteen modelsNavia Benefit Solutions
Direct80
Paraphrase321 against Navia Benefit Solutions
Comparative60
Budget-constrained002 against HealthEquity
Scale-constrained10
Negative009 against HealthEquity · 3 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, HealthEquity and Navia Benefit Solutions were named in the same answer sixty-one times, of the 186 answers naming HealthEquity and the 77 naming Navia Benefit Solutions. In those answers Navia Benefit Solutions took the first choice three times and HealthEquity twenty.

Every model, every framing

The eighty-four answers behind the chart above, one cell each: where HealthEquity 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
HealthEquity Navia Benefit Solutions first choice named as an alternative argued againstblank: not namedEach cell is one answer, HealthEquity on the left and Navia Benefit Solutions on the right.

The direct prompt

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

HealthEquity first, Navia Benefit Solutions an alternative

8 of 14 modelsNavia Benefit Solutions was named in the answer but not as the choice, or not at all.
Perplexity SonarHealthEquity alternatives: Businessolver, WEX Benefits
Grok 4.20HealthEquity alternatives: Businessolver, Navia Benefit Solutions, WEX Health
Mistral SmallForma, HealthEquity, 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
GLM 4.7 FlashXFidelity HSA, HealthEquity alternatives: Forma, HSA Bank, WEX Health
MiniMax M2.5Businessolver, HealthEquity, WEX Health alternatives: Fidelity HSA, HSA Bank
Muse Glimmer 30BForma, HealthEquity alternatives: Businessolver, Fidelity HSA, WEX Health

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.
Gemini 3.5 FlashLively alternatives: Fidelity HSA, HealthEquity, WEX Benefits
Kimi K2Lively alternatives: Fidelity HSA, HealthEquity, Navia Benefit Solutions, WEX Benefits
GPT-6 LunaWEX Benefits alternatives: HealthEquity

Neither was named

3 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
Llama 4 Maverickno first choice

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
Level: the same share of first choices.
HealthEquity4%#7 of 10
Navia Benefit Solutions4%#6 of 10
The full small business standing →
Mid-marketThe figures above
HealthEquity leads by nineteen points.
HealthEquity22%#2 of 14
Navia Benefit Solutions4%#7 of 14
The full mid-market standing →
Enterprise
HealthEquity leads by sixty-six points.
HealthEquity68%#1 of 13
Navia Benefit Solutions2%#6 of 13
The full enterprise standing →

What the models said about HealthEquity

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

“This is probably the most frequently complained-about administrator in this space... hundreds of BBB complaints” MiniMax M2.5 · negative prompt · hard negative
“Many traditional administrators (like HealthEquity or WEX) charge a $50–$100 monthly minimum platform fee” Gemini 3.5 Flash · budget prompt · hard negative
“By far the most frequent and severe complaints... "scam-like," "worst company," or "antagonistic."” Grok 4.20 · negative prompt · hard negative
“One of the largest dedicated administrators of health accounts in the U.S.. They handle HSAs, FSAs, HRAs, COBRA, and commuter benefits on a single portal.” Gemini 3.5 Flash · comparative prompt · first choice
“I'd recommend getting quotes from at least HealthEquity, WEX Health, and Businessolver, as these are most commonly used in the mid-market segment” MiniMax M2.5 · direct prompt · first choice
“The largest standalone HSA administrator by market share... For All-in-One Solutions (HSA + FSA): Choose HealthEquity or WEX Benefits.” Qwen 3.7 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 HealthEquityLively vs Navia Benefit SolutionsHealthEquity vs WEX BenefitsHealthEquity vs WEX HealthHealthEquity vs Fidelity HSAHealthEquity vs FormaHealthEquity vs BusinessolverWEX Benefits vs Navia Benefit SolutionsWEX Health vs Navia Benefit SolutionsFidelity HSA vs Navia Benefit SolutionsForma 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.