Should I liquidate my HSA or use credit cards for medical emergencies right after losing my job and health insurance today
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Should I liquidate my HSA or use credit cards for medical emergencies right after losing my job and health insurance today
2 real searches · 1 real-search pass
2026 IRS HSA rules qualified medical expenses nonqualified distributions 20% penalty COBRA Marketplace special enrollment loss job coverageGoogle ↗
OBSERVEDConsequence
2026 HSA qualified medical expenses after job loss HSA remains yours IRS Publication 969 COBRA ACA special enrollment loss employer coverage New York unemployment health insuranceGoogle ↗
OBSERVEDComparison
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 1 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
2026 IRS HSA rules qualified medical expenses nonqualified distributions 20% penalty COBRA Marketplace special enrollment loss job coverage Google ↗
2026 HSA qualified medical expenses after job loss HSA remains yours IRS Publication 969 COBRA ACA special enrollment loss employer coverage New York unemployment health insurance Google ↗
- See Your Options If You Lose Job-Based Health Insurance · healthcare.gov
- New York State of Health · nystateofhealth.ny.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 IRS HSA rules qualified medical expenses nonqualified distributions 20% penalty COBRA Marketplace special enrollment loss job coverage OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
2026 HSA qualified medical expenses after job loss HSA remains yours IRS Publication 969 COBRA ACA special enrollment loss employer coverage New York unemployment health insurance OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |