HealthEquity vs Benepass
Six of fourteen models named HealthEquity first on the direct prompt; one named Benepass. HealthEquity was named by fourteen of the fourteen models and Benepass by eight and HealthEquity carries 59 labels and Benepass 13, so the shares are not directly comparable.
Named in two categories this edition.
Named in four categories this edition.
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
HealthEquityFirst choices, of fourteen modelsBenepass
Across every category in the October 2026 Edition, HealthEquity and Benepass were named in the same answer thirty-five times, of the 164 answers naming HealthEquity and the 193 naming Benepass. In those answers Benepass took the first choice five times and HealthEquity eighteen.
Every model, every framing
| Model | Direct | Paraphrase | Comparative | Budget-constrained | Scale-constrained | Negative |
|---|---|---|---|---|---|---|
| Claude Haiku 4.5 | | | ||||
| GPT-5.4 mini | ||||||
| Gemini 3.5 Flash | | | | | ||
| Perplexity Sonar | | | ||||
| Grok 4.1 Fast | | | | | | |
| 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 | | | | |
HealthEquity Benepass first choice named as an alternative argued againstblank: not namedEach cell is one answer, HealthEquity on the left and Benepass on the right.The direct prompt
HealthEquity first, Benepass an alternative
6 of 14 modelsBenepass was named in the answer but not as the choice, or not at all.Benepass first, HealthEquity not the choice
1 of 14 modelsHealthEquity was named in the answer but not as the choice, or not at all.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.Neither was named
3 of 14 modelsThe answer made no first choice from these two in this category.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
HealthEquity8%#3 of 9Benepass0%#– of 9HealthEquity29%#1 of 12Benepass2%#8 of 12HealthEquity39%#1 of 12Benepass7%#4 of 12What 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.
“HealthEquity has a very low rating (1.2/5) on Trustpilot, with many users reporting issues with customer service, account access, and problems with payments and refunds.” Mistral Small · negative prompt · hard negative
“High volume of complaints (900+ on BBB in 3 years); claim denials, poor customer service, long hold times, app glitches, refund delays” Grok 4.1 Fast · negative prompt · hard negative
“Rates HealthEquity as Fair (2.5/5) with a strong emphasis on negative reviews and a recommendation against using the service.” GLM 4.7 FlashX · negative prompt · hard negative
“Largest independent HSA custodian in the U.S. ... Best For: Large employers wanting a single vendor for all consumer-directed benefits” Kimi K2 · comparative prompt · first choice
“Recognized as America's top HSA administrator, with a significant market share and millions of accounts under management.” Mistral Small · comparative prompt · first choice
“HealthEquity stands out as a scalable HSA platform with strong integration capabilities and robust reporting tools.” Muse Glimmer 30B · direct prompt · first choice
What the models said about Benepass
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Two of two in this category shown.
“Skip the "full-service" platforms (like Benepass or mid-market suites). They tack on per-employee fees” DeepSeek V4 Flash · budget prompt · hard negative
“Best for Modern, "All-in-One Wallet" Benefits: Benepass or Forma ... these modern platforms are the gold standard.” Gemini 3.5 Flash · direct prompt · first choice
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.