Real ChatGPT answer · index seedOJ8xCYkXNDgcompleteCareers and HR · workplace benefitscommercial

Which health savings account providers currently offer the best health equity HSA debit card user experience and lowest monthly maintenance fees for employers?

ChatGPTgpt-62 queries11/1/2026
Download run

Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
Which health savings account providers currently offer the best health equity HSA debit card user experience and lowest monthly maintenance fees for employers?
2 real searches · 1 real-search pass
2026 HSA providers employer monthly maintenance fee employer pricing debit card mobile app HealthEquity Fidelity HSA Bank Optum Bank Lively WEXGoogle ↗
OBSERVEDComparison
HSA administrator employer fees monthly maintenance fee employer HSA debit card app experience HealthEquity HSA Bank WEX Fidelity LivelyGoogle ↗
OBSERVEDReason

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)
Short factOther / navigationalComparison50%ConsequenceReason50%DefinitionInstructionYes / no

Classes come from the query-classifier (a local Laya model). 2 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 HSA providers employer monthly maintenance fee employer pricing debit card mobile app HealthEquity Fidelity HSA Bank Optum Bank Lively WEX Google ↗
HSA administrator employer fees monthly maintenance fee employer HSA debit card app experience HealthEquity HSA Bank WEX Fidelity Lively Google ↗

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
2026 HSA providers employer monthly maintenance fee employer pricing debit card mobile app HealthEquity Fidelity HSA Bank Optum Bank Lively WEX
OBSERVED
Google ↗
AI Mode ↗
—Comparison——1x
of 1
HSA administrator employer fees monthly maintenance fee employer HSA debit card app experience HealthEquity HSA Bank WEX Fidelity Lively
OBSERVED
Google ↗
AI Mode ↗
—Reason——1x
of 1