Every category where a model named Optum Bank for a mid-market B2B company. Share is first choices across the direct, paraphrase, budget and scale prompts; rank is within every product named in that category.

Category	Function	Share	Rank	Negative rate	Labels	Quadrant	Since September 2026
HSA and FSA administrators	Compensation and total rewards	0%	22 of 111	12%	8	under 10 labels · led by HealthEquity at 29%

Movement

This is the first edition on this tier, so no move can be computed for Optum Bank yet. From the next edition this section shows, per buyer segment and per category, whether its share moved by more than the measured noise floor.

By model

How each model treated Optum Bank across every prompt where it was named for a mid-market B2B company. Fourteen models, six prompts per category.

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Model	Alternative	Mention	Negative	Labels
Claude Haiku 4.5	0	0	0	0
GPT-5.4 mini	0	1	0	1
Gemini 3.5 Flash	1	0	1	2
Perplexity Sonar	0	0	0	0
Grok 4.1 Fast	0	2	0	2
Mistral Small	0	0	0	0
DeepSeek V4 Flash	1	0	0	1
Llama 4 Maverick	0	0	0	0
Qwen 3.7 Flash	0	0	0	0
Kimi K2	1	0	0	1
GLM 4.7 FlashX	0	0	0	0
MiniMax M2.5	0	0	0	0
GPT-6 Luna	0	0	0	0
Muse Glimmer 30B	0	1	0	1

By framing

Which of the six questions produced the naming. By model says how often; this says asked what. The first-choice count on the right carries the marks of the models that produced it.

FramingLabels by classFirst choices

Direct4 labels2

Paraphrase1 labelNone

Comparative9 labelsNone

Budget-constrained0 labelsNone

Scale-constrained3 labelsNone

Negative5 labelsNone

First choiceAlternativeMentionNegative22 labels in all, every segment counted; 2 of the 2 first choices count toward share, since the comparative and negative framings do not. The bar is one segment per label class, to scale within the framing.

What the models said for it

Verbatim evidence the judge attached to positive labels.

“One of the largest, overseeing roughly 1 in 5 of the ~40 million active HSA accounts” DeepSeek V4 Flash · HSA & FSA admin · comparative prompt · alternative

“Top-two HSA provider alongside HealthEquity (part of UnitedHealth Group)” Kimi K2 · HSA & FSA admin · comparative prompt · alternative

“Best for UnitedHealthcare Integrations” Gemini 3.5 Flash · HSA & FSA admin · comparative prompt · alternative

And against it

Verbatim evidence attached to negative labels. A warning on a product with few labels is a warning; on a product with many, it is one voice among them.

“Optum is one of the largest HSA administrators in the country, but it is also one of the most frequently criticized.” Gemini 3.5 Flash · HSA & FSA admin · negative prompt · hard negative

Named alongside

The products named in the same answers as Optum Bank, over the 22 answers that named it. Took the first choice instead counts the answers where the other product was the first choice and Optum Bank was named but was not.

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ProductSame answerTook the first choice insteadHead to head

HealthEquity19 of 2211Not among the top eight

HSA Bank16 of 220Not among the top eight

Fidelity HSA15 of 223Not among the top eight

Lively14 of 223Not among the top eight

WEX Benefits11 of 220Not among the top eight

Benepass9 of 220Not among the top eight

TASC6 of 220Not among the top eight

Inspira Financial5 of 220Not among the top eight

Discovery Benefits4 of 220Not among the top eight

Navia Benefit Solutions4 of 220Not among the top eight

A head-to-head page exists where both products are among a category's top eight. The other rows are the same fact without a page behind them, so they link to the product instead.

What carried it into the answer

The sites and pages cited by the answers that named Optum Bank. A fact about retrieval, not a lever on the model.

Citations exist only for the models that return a source list, five of the fourteen in this edition, so these counts come from 22 of the 22 answers that named Optum Bank and are not a share of its labels.

Domains cited

hrtechsaas.com18

getbenepass.com13

solutions.mycafehealth.com11

zipdo.co10

gitnux.org9

livelyme.com9

myshortlister.com9

wifitalents.com9

hraddict.com8

recruiterslineup.com7

No domain is on file for Optum Bank, so its own site is not marked.

Pages cited

hrtechsaas.com/blog/best-fsa-hsa-administrators-mid-market-employers14

getbenepass.com/blog/fsa-providers13

solutions.mycafehealth.com/solutions.php11

getbenepass.com/blog/best-hsa-providers9

hraddict.com/hsa-fsa-administration-systems8

wifitalents.com/service/fsa-administration8

zipdo.co/service/health-savings-account8

gitnux.org/service/fsa-administration7

Pages are listed as the models cited them.

Search and answers

Where Optum Bank stands in Google search beside where it stands in the models' answers.

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In search

Google, US estimates

Searches for its name, Google: 90,500 a month (“optum bank”)
AI search demand for its name, est.: 411 a month
Its own site: No site of its own on file, so no site figures

In answers

This edition

Share of first choices

rank 22 of 111 in HSA & FSA admin

Segment leader

29%

HealthEquity

First choices: 2 across its categories
Named in: 22 answers
Its own site cited: No site on file to match

Search figures are US estimates from DataForSEO, read October 5, 2026; AI search demand is its modeled, directional estimate, not a count of queries to any assistant. The answers are this edition's. Two measurements side by side: neither is read as the cause of the other.

Names read as Optum Bank

What the judge wrote, as written, with how often. The vendor table decides that these count as Optum Bank; a claim can dispute any of them.

Optum Bank (Optum Financial) 1Optum Financial / Optum Bank 1

Follow Optum Bank

An email the morning each edition publishes: where this product moved, where it held, and by how much against the noise floor. One address, confirmed by a click; a stop link in every email.

Already following? Everything you follow, with a stop for each.

Is this your product?

Claim this page

Claiming is free and changes nothing in the data. A claimed page shows a verified contact who is told when each edition publishes and when Optum Bank's standing changes by more than the noise floor; the right to propose corrections to the vendor table, meaning names the judge wrote that should or should not read as Optum Bank, applied by version and listed in the change log; and a one-line description supplied by the vendor and marked as such.

What a new claim receivesHide what a new claim receives

A new claim receives the current edition's vendor brief for Optum Bank by email, built from the raw record of the edition. It shows:

where Optum Bank is named, by buyer and by framing, and which cells hold its first choices;
the claims the models make when they name it, ranked, with the strongest and the weakest quoted;
its vocabulary against the segment leader's, and the pages the models cited;
who was chosen in the answers that did not name Optum Bank, and every reason the record gives;
a battlecard for each top rival: the head-to-head split, why they win, and the reservation quoted against them;
one page of published figures cleared to show a buyer.