HSA and FSA administrators · November 2026 Edition
Lively vs HealthEquity
Two of fourteen models named Lively first on the direct prompt; eight named HealthEquity. Both were named by all fourteen models and Lively carries 39 labels and HealthEquity 60, so the shares are not directly comparable.
Named in two categories this edition.
Named in two categories this edition.
First-choice share26%22%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate3%18%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#1#2A position in a field of 14; printed, not drawn.
Labels3960A 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.Fidelity HSA was named alongside these two in eight of the fourteen direct answers. Lively vs WEX Benefits · Lively vs WEX Health · Lively 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.
LivelyFirst choices, of fourteen modelsHealthEquity
Direct28
Paraphrase13
Comparative061 against Lively
Budget-constrained1002 against HealthEquity
Scale-constrained01
Negative109 against HealthEquity
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 HealthEquity were named in the same answer 106 times, of the 132 answers naming Lively and the 186 naming HealthEquity. In those answers HealthEquity took the first choice twenty-six times and Lively forty-two.
Every model, every framing
The eighty-four answers behind the chart above, one cell each: where Lively and HealthEquity 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 | | | |
Lively HealthEquity first choice named as an alternative argued againstblank: not namedEach cell is one answer, Lively on the left and HealthEquity on the right.The direct prompt
The plain question, one answer per model, grouped by where Lively and HealthEquity stood in it.
Lively first, HealthEquity an alternative
2 of 14 modelsHealthEquity 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
HealthEquity first, Lively not the choice
8 of 14 modelsLively 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
1 of 14 modelsThe answer put something else first and named one of the two as an alternative.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
Lively leads by forty-three points.
Lively47%#1 of 10HealthEquity4%#7 of 10Mid-marketThe figures above
Enterprise
The order flips: HealthEquity leads at enterprise.
HealthEquity68%#1 of 13Lively0%#9 of 13What 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 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
Also compared
Lively vs WEX BenefitsLively vs WEX HealthLively vs Fidelity HSALively vs FormaLively vs Navia Benefit SolutionsLively vs BusinessolverHealthEquity vs WEX BenefitsHealthEquity vs WEX HealthHealthEquity vs Fidelity HSAHealthEquity vs FormaHealthEquity vs Navia Benefit SolutionsHealthEquity 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.