# BPAS: how AI models rank it, November 2026

Gane Index, November 2026 Edition. Named in 1 judge label across 1 category by 1 of 14 models. Page: https://www.gane.ai/index/hr/vendors/bpas

## Standing by category

| Category | Share | Rank | Negative rate | Labels |
|---|---|---|---|---|
| [HSA and FSA administrators](https://www.gane.ai/index/hr/rewards/hsa-and-fsa-administration/index.md) | 0% | 82 | 100% | 1 |

## And against it

- "Strongly avoid BPAS. The threat of shutting off a health card over valid receipts is a red flag." (DeepSeek V4 Flash, HSA & FSA admin)

## By model

| Model | First choice | Alternative | Mention | Warning | Labels |
|---|---|---|---|---|---|
| Claude Haiku 4.5 | 0 | 0 | 0 | 0 | 0 |
| GPT-5.4 mini | 0 | 0 | 0 | 0 | 0 |
| Gemini 3.5 Flash | 0 | 0 | 0 | 0 | 0 |
| Perplexity Sonar | 0 | 0 | 0 | 0 | 0 |
| Grok 4.20 | 0 | 0 | 0 | 0 | 0 |
| Mistral Small | 0 | 0 | 0 | 0 | 0 |
| DeepSeek V4 Flash | 0 | 0 | 0 | 1 | 1 |
| Llama 4 Maverick | 0 | 0 | 0 | 0 | 0 |
| Qwen 3.7 Flash | 0 | 0 | 0 | 0 | 0 |
| Kimi K2 | 0 | 0 | 0 | 0 | 0 |
| GLM 4.7 FlashX | 0 | 0 | 0 | 0 | 0 |
| MiniMax M2.5 | 0 | 0 | 0 | 0 | 0 |
| GPT-6 Luna | 0 | 0 | 0 | 0 | 0 |
| Muse Glimmer 30B | 0 | 0 | 0 | 0 | 0 |

## Sources returned with these answers

The sites and pages cited by the answers that named BPAS, from 2 of the 2 answers that named it (only the models that return a source list).

### Domains cited

- bbb.org: 2
- associatedbank.com: 1
- consumeraffairs.com: 1
- g2.com: 1
- hsa.ie: 1
- indigenoushealthnh.ca: 1
- insurancebusinessmag.com: 1
- moneywise.com: 1
- optum-bank.pissedconsumer.com: 1
- play.google.com: 1

### Pages cited

- https://bbb.org/us/ut/draper/profile/health-savings-administrators/healthequity-inc-1126-22234692/complaints: 2
- https://associatedbank.com/education/articles/business-insights/hsa-and-reimbursement-accounts/5-things-to-look-for-in-an-hsa-administrator: 1
- https://bbb.org/us/ca/oakland/profile/health-savings-administrators/sterling-administration-1116-79356/customer-reviews: 1
- https://bbb.org/us/ga/alpharetta/profile/employee-benefit-consultants/admin-america-inc-0443-27375834/complaints: 1
- https://bbb.org/us/ia/west-des-moines/profile/computer-software/businessolvercom-0664-32055605/customer-reviews: 1
- https://bbb.org/us/ny/utica/profile/retirement-planning-services/benefits-plan-administrative-services-0041-235988156/complaints: 1
- https://bbb.org/us/ut/draper/profile/health-savings-administrators/healthequity-inc-1126-22234692/customer-reviews: 1
- https://bbb.org/us/va/n-chesterfld/profile/health-savings-administrators/health-savings-administrators-llc-0603-63394940: 1

## Record

- Method: https://www.gane.ai/index/hr/methodology
- License: CC BY 4.0. Cite as Gane Index, November 2026 Edition, www.gane.ai/index/hr.