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Index › HR › Compensation and total rewards › HSA & FSA admin › WEX Health vs Fidelity HSA
HSA and FSA administrators · November 2026 Edition

WEX Health vs Fidelity HSA

Two of fourteen models named WEX Health first on the direct prompt; two named Fidelity HSA. WEX Health was named by ten of the fourteen models and Fidelity HSA by fourteen and WEX Health carries 24 labels and Fidelity HSA 53, so the shares are not directly comparable.

WEX Health

accepted challenger

Named in one category this edition.

Fidelity HSA

accepted challenger

Named in one category this edition.

First-choice share9%7%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate8%4%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#4#5A position in a field of 14; printed, not drawn.
Labels2453A count; the two differ.
The two percentage rows are drawn on one 0 to 100 track, WEX Health 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 WEX Health · Lively vs Fidelity HSA · HealthEquity 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.
WEX HealthFirst choices, of fourteen modelsFidelity HSA
Direct221 against Fidelity HSA
Paraphrase30
Comparative161 against Fidelity HSA
Budget-constrained02
Scale-constrained00
Negative032 against WEX Health
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, WEX Health and Fidelity HSA were named in the same answer thirty-seven times, of the 46 answers naming WEX Health and the 137 naming Fidelity HSA. In those answers Fidelity HSA took the first choice five times and WEX Health seven.

Every model, every framing

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

The direct prompt

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

WEX Health first, Fidelity HSA an alternative

2 of 14 modelsFidelity HSA was named in the answer but not as the choice, or not at all.
Mistral SmallForma, HealthEquity, WEX Health
MiniMax M2.5Businessolver, HealthEquity, WEX Health alternatives: Fidelity HSA, HSA Bank

Fidelity HSA first, WEX Health an alternative

2 of 14 modelsWEX Health 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

6 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
Grok 4.20HealthEquity alternatives: Businessolver, Navia Benefit Solutions, 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
Kimi K2Lively alternatives: Fidelity HSA, HealthEquity, Navia Benefit Solutions, WEX Benefits
Muse Glimmer 30BForma, HealthEquity alternatives: Businessolver, Fidelity HSA, WEX Health

Neither was named

4 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
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
Fidelity HSA leads by ten points.
Fidelity HSA10%#2 of 10
WEX Health0%#9 of 10
The full small business standing →
Mid-marketThe figures above
The order flips: WEX Health leads at mid-market.
WEX Health9%#4 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
WEX Health0%#10 of 13
The full enterprise standing →

What the models said about WEX Health

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

“WEX for HSA or FSA management is complete trash, avoid at all costs” Kimi K2 · negative prompt · hard negative
“Strong Reddit consensus to "avoid at all costs."” Grok 4.20 · negative prompt · hard negative
“WEX Health (or its parent WEX Benefits platform) stands out as my top recommendation for a mid-sized B2B company.” Grok 4.20 · paraphrase prompt · first choice
“Forma, HealthEquity, and WEX Health are the strongest contenders due to their scalability” Mistral Small · direct prompt · first choice
“I'd recommend getting quotes from at least HealthEquity, WEX Health, and Businessolver” MiniMax M2.5 · direct 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
Lively vs WEX HealthLively vs Fidelity HSAHealthEquity vs WEX HealthHealthEquity vs Fidelity HSAWEX Benefits vs WEX HealthWEX Benefits vs Fidelity HSAWEX Health vs FormaWEX Health vs Navia Benefit SolutionsWEX Health vs BusinessolverFidelity HSA vs FormaFidelity HSA vs Navia Benefit SolutionsFidelity HSA 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.