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HSA and FSA administrators · November 2026 Edition

Lively vs Fidelity HSA

Two of fourteen models named Lively first on the direct prompt; two named Fidelity HSA. Both were named by all fourteen models and Lively carries 39 labels and Fidelity HSA 53, so the shares are not directly comparable.

Lively

accepted challenger

Named in two categories this edition.

Fidelity HSA

accepted challenger

Named in one category this edition.

First-choice share26%7%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate3%4%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#1#5A position in a field of 14; printed, not drawn.
Labels3953A count; the two differ.
The two percentage rows are drawn on one 0 to 100 track, Lively 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 HealthEquity · Lively vs WEX Benefits · Lively vs WEX Health

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.
LivelyFirst choices, of fourteen modelsFidelity HSA
Direct221 against Fidelity HSA
Paraphrase10
Comparative061 against Lively · 1 against Fidelity HSA
Budget-constrained102
Scale-constrained00
Negative13
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, Lively and Fidelity HSA were named in the same answer eighty-nine times, of the 132 answers naming Lively and the 137 naming Fidelity HSA. In those answers Fidelity HSA took the first choice fourteen times and Lively thirty-five.

Every model, every framing

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

The direct prompt

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

Lively first, Fidelity HSA an alternative

2 of 14 modelsFidelity HSA was named in the answer but not as the choice, or not at all.
Gemini 3.5 FlashLively alternatives: Fidelity HSA, HealthEquity, WEX Benefits
Kimi K2Lively alternatives: Fidelity HSA, HealthEquity, Navia Benefit Solutions, WEX Benefits

Fidelity HSA first, Lively not the choice

2 of 14 modelsLively 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

4 of 14 modelsThe answer put something else first and named one of the two as an alternative.
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
MiniMax M2.5Businessolver, HealthEquity, WEX Health alternatives: Fidelity HSA, HSA Bank
Muse Glimmer 30BForma, HealthEquity alternatives: Businessolver, Fidelity HSA, WEX Health

Neither was named

6 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
Grok 4.20HealthEquity alternatives: Businessolver, Navia Benefit Solutions, WEX Health
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
Lively leads by thirty-seven points.
Lively47%#1 of 10
Fidelity HSA10%#2 of 10
The full small business standing →
Mid-marketThe figures above
Lively leads by nineteen points.
Lively26%#1 of 14
Fidelity HSA7%#5 of 14
The full mid-market standing →
Enterprise
The order flips: Fidelity HSA leads at enterprise.
Fidelity HSA2%#4 of 13
Lively0%#9 of 13
The full enterprise standing →

What the models said about Lively

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

“Rated “Above Average” for spending, “Average” for investing.” Mistral Small · comparative prompt · soft negative
“For most mid-market B2B companies, Lively offers the best combination of modern technology, transparent pricing, and strong customer service.” Kimi K2 · direct prompt · first choice
“Lively is likely the best starting point if you want one modern platform for both HSA and FSA administration” Perplexity Sonar · budget prompt · first choice
“Lively is likely the best choice because: It offers both HSA and FSA administration under one platform” MiniMax M2.5 · budget prompt · first choice

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
Also compared

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.