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HSA and FSA administrators · October 2026 Edition

Lively vs Fidelity HSA

Two of fourteen models named Lively first on the direct prompt; zero named Fidelity HSA. Lively was named by thirteen of the fourteen models and Fidelity HSA by thirteen and Lively carries 34 labels and Fidelity HSA 37, so the shares are not directly comparable.

Lively

accepted challenger

Named in two categories this edition.

Fidelity HSA

accepted challenger

Named in one category this edition.

First-choice share15%10%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.

Negative rate6%3%Negative labels as a share of the product's labels, 0 to 100.

Rank in category#2#3A position in a field of 12; printed, not drawn.

Labels3437A 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.HealthEquity was named alongside these two in ten of the fourteen direct answers. HealthEquity vs Lively · HealthEquity vs Fidelity HSA · Lively vs WEX Benefits

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 modelsFidelity HSA

Direct20

Paraphrase10

Comparative021 against Fidelity HSA

Budget-constrained452 against Lively

Scale-constrained00

Negative24

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 October 2026 Edition, Lively and Fidelity HSA were named in the same answer sixty-seven times, of the 110 answers naming Lively and the 98 naming Fidelity HSA. In those answers Fidelity HSA took the first choice thirteen times and Lively nineteen.

Every model, every framing

The eighty-four answers behind the chart above, one cell each: where Lively and Fidelity HSA 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 4.1 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

Lively

Fidelity HSA

first choice

named as an alternative

argued againstblank: not namedEach cell is one answer, Lively on the left and Fidelity HSA on the right.

The direct prompt

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

Lively first, Fidelity HSA an alternative

2 of 14 modelsFidelity HSA was named in the answer but not as the choice, or not at all.

Grok 4.1 FastHealthEquity, Lively alternatives: Fidelity HSA

Qwen 3.7 FlashLively alternatives: Fidelity HSA, Further Health, HSA Bank, HealthEquity, Navia Benefit Solutions

Neither was the first choice, one was named

5 of 14 modelsThe answer put something else first and named one of the two as an alternative.

GPT-5.4 miniForma alternatives: Lively, WEX Benefits

Gemini 3.5 FlashBenepass, Forma alternatives: Fidelity HSA, Lively, Navia Benefit Solutions, Sentinel Benefits

DeepSeek V4 FlashHealthEquity, WEX Health alternatives: Fidelity HSA, Lively, Navia Benefit Solutions

GLM 4.7 FlashXBusinessolver alternatives: Alegeus, Fidelity HSA, Flores, HSA Bank, HealthEquity, Lively, WEX Health

Muse Glimmer 30BHealthEquity alternatives: Allegiance, Lively, WEX Health

Neither was named

7 of 14 modelsThe answer made no first choice from these two in this category.

Claude Haiku 4.5HealthEquity alternatives: Ameriflex, Sentinel Benefits & Financial Group, WEX Benefits

Perplexity SonarHealthEquity alternatives: Associated Benefits Connection / Associated Bank, Benepass, WEX Benefits

Mistral Smallno first choice

Llama 4 Maverickno first choice

Kimi K2Flores Financial Services alternatives: Businessolver, HealthEquity, WEX Health

MiniMax M2.5HealthEquity alternatives: Businessolver, Further, WEX Health

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

Lively leads by thirty-one points.

Lively#1 of 9

Fidelity HSA#4 of 9

The full small business standing →

Mid-marketThe figures above

Lively leads by four points.

Lively#2 of 12

Fidelity HSA#3 of 12

The full mid-market standing →

Enterprise

Lively leads by seven points.

Lively#3 of 12

Fidelity HSA#6 of 12

The full enterprise standing →

What the models said about Lively

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

“Avoid if budget is tight: Lively for very small teams, because of the minimum monthly fee.” Perplexity Sonar · budget prompt · hard negative

“Why not Lively? Their $200 minimum means if you have 5 employees, you pay $40/person/month” Qwen 3.7 Flash · budget prompt · soft negative

“Fidelity and Lively stand out as the strongest HSA administrators based on low or no fees” Grok 4.1 Fast · budget prompt · first choice

“For HSAs, look at Lively (4.4/5 Trustpilot), Fidelity (strong investing, better service).” Grok 4.1 Fast · negative prompt · first choice

“Lively: A top choice for mid-market companies that want a "tech-first" approach.” Qwen 3.7 Flash · 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. Four of five in this category shown.

“though they are less focused on "voluntary benefits" enrollment compared to specialized TPAs” Qwen 3.7 Flash · comparative prompt · soft negative

“If you are an individual opening an HSA: Choose Fidelity. It is entirely free, pays the highest interest on cash, and gives you the absolute best investment options.” Gemini 3.5 Flash · comparative prompt · first choice

“Fidelity Investments is the only HSA firm out of 11 reviewed that received an assessment of being "high" quality” Claude Haiku 4.5 · negative prompt · first choice

“You can open a fee-free, $0-minimum HSA with a highly-rated provider (such as Fidelity or Lively)” Gemini 3.5 Flash · negative prompt · first choice

Also compared

HealthEquity vs Lively HealthEquity vs Fidelity HSA Lively vs WEX Benefits Lively vs WEX Health Lively vs Businessolver Lively vs Navia Benefit Solutions Lively vs Benepass Fidelity HSA vs WEX Benefits Fidelity HSA vs WEX Health Fidelity HSA vs Businessolver Fidelity HSA vs Navia Benefit Solutions Fidelity HSA vs Benepass All 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.