# Fidelity HSA: how AI models rank it, November 2026

Gane Index, November 2026 Edition. Named in 53 judge labels across 1 category by 14 of 14 models. Page: https://www.gane.ai/index/hr/vendors/fidelity-hsa

## 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) | 7% | 5 | 4% | 53 |

## What the models said for it

- "The largest HSA provider with approximately 24% market share, known for its fee-free structure, no investment minimums" (MiniMax M2.5, HSA & FSA admin)
- "compare Fidelity for spending costs, HSA Bank for investing, and HealthEquity for a strong middle ground" (GPT-6 Luna, HSA & FSA admin)
- "Fidelity | High (only one) | Above Average | No account fees, no investment minimum, 3.56% cash rate" (DeepSeek V4 Flash, HSA & FSA admin)
- "Fidelity: Rated "High" for both investing and spending. Strong on low fees, robust investment options" (Grok 4.20, HSA & FSA admin)

## And against it

- "notes that its ratings don't assess employer-negotiated HSA plans; price and features in your company's contract may differ" (GPT-6 Luna, HSA & FSA admin)
- "Fidelity's FSA offering is less mature than their HSA product" (Claude Haiku 4.5, HSA & FSA admin)

## By model

| Model | First choice | Alternative | Mention | Warning | Labels |
|---|---|---|---|---|---|
| Claude Haiku 4.5 | 0 | 0 | 2 | 1 | 3 |
| GPT-5.4 mini | 1 | 0 | 1 | 0 | 2 |
| Gemini 3.5 Flash | 1 | 4 | 1 | 0 | 6 |
| Perplexity Sonar | 1 | 1 | 0 | 0 | 2 |
| Grok 4.20 | 1 | 1 | 3 | 0 | 5 |
| Mistral Small | 1 | 1 | 2 | 0 | 4 |
| DeepSeek V4 Flash | 3 | 2 | 0 | 0 | 5 |
| Llama 4 Maverick | 0 | 0 | 2 | 0 | 2 |
| Qwen 3.7 Flash | 0 | 2 | 1 | 0 | 3 |
| Kimi K2 | 0 | 2 | 2 | 0 | 4 |
| GLM 4.7 FlashX | 2 | 3 | 0 | 0 | 5 |
| MiniMax M2.5 | 1 | 3 | 0 | 0 | 4 |
| GPT-6 Luna | 2 | 0 | 1 | 1 | 4 |
| Muse Glimmer 30B | 0 | 1 | 3 | 0 | 4 |

## Sources returned with these answers

The sites and pages cited by the answers that named Fidelity HSA, from 130 of the 137 answers that named it (only the models that return a source list).

### Domains cited

- joinforma.com: 81
- hrtechsaas.com: 67
- gane.ai/index: 66
- getapp.com: 55
- leadchangegroup.com: 45
- hsaforamerica.com: 43
- healthequity.com: 40
- mployeradvisor.com: 37
- livelyme.com: 35
- fidelity.com: 34 (its own site)

### Pages cited

- https://joinforma.com/resources/best-hsa-accounts: 77
- https://hrtechsaas.com/blog/best-fsa-hsa-administrators-mid-market-employers: 54
- https://getapp.com/hr-employee-management-software/benefits-administration/f/hsa-fsa-administration: 53
- https://hsaforamerica.com/admins-recommended: 38
- https://mployeradvisor.com/blog/2026-benefits-state-of-the-union---health-savings-accounts-utilization-funding-levels: 37
- https://www.gane.ai/index/hr/rewards/hsa-and-fsa-administration/smb: 32
- https://hraddict.com/hsa-fsa-administration-systems: 30
- https://leadchangegroup.com/hsa-fsa-administration: 28

## In its own words

What Fidelity HSA's own pages state, read 2026-10-05. Stated by the vendor, not checked by the index.

- Positioning: Save, earn, and invest for health care with an HSA (https://fidelity.com/)
- For: individuals and employers (https://fidelity.com/)
- Price stated: No account fees; zero account fees and zero account minimums for Fidelity HSAs® offered through Fidelity.com to individuals and employers; $0 commissions for US stock & ETF trades (https://fidelity.com/)

## What it publishes

Every page fidelity.com exposes, read 2026-09-29: 4271 addresses. By kind, pages and the last 90 days:

- blog: 32 pages, 0 in the last 90 days, latest undated
- case study: 1 pages, 0 in the last 90 days, latest undated
- webinar or virtual event: 5 pages, 0 in the last 90 days, latest 2026-05-14
- conference or event: 10 pages, 0 in the last 90 days, latest undated
- report or ebook: 68 pages, 0 in the last 90 days, latest undated
- comparison: 75 pages, 0 in the last 90 days, latest 2024-08-27
- template or tool: 26 pages, 0 in the last 90 days, latest undated
- glossary or explainer: 123 pages, 0 in the last 90 days, latest undated
- podcast or video: 7 pages, 0 in the last 90 days, latest 2024-01-23
- news or press: 53 pages, 0 in the last 90 days, latest undated
- Recent: 2026-05-14 webinar or virtual event: Insights live on demand https://www.fidelity.com/learning-center/wealth-management-insights/insights-live-on-demand
- Recent: 2024-08-27 comparison: Term life vs whole life insurance https://www.fidelity.com/learning-center/personal-finance/term-life-vs-whole-life-insurance
- Recent: 2024-01-23 podcast or video: Podcast preview https://www.fidelity.com/learning-center/money-unscripted/podcast-preview
- Recent: 2022-09-26 podcast or video: Fresh invest podcast actively seeking passive income https://www.fidelity.com/learning-center/trading-investing/fresh-invest-podcast-actively-seeking-passive-income
- Recent: 2020-09-02 webinar or virtual event: Options 101 webinar series recording https://www.fidelity.com/learning-center/investment-products/options/options-101-webinar-series-recording

## 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.