Real ChatGPT answer · index seedwYKLsnrK1pEcompleteInsurance · health insurance plansbrand

What exact medical expenses count toward my high deductible health plan savings account deductible if I pay them with cash out of pocket today?

ChatGPTgpt-62 queries10/31/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
What exact medical expenses count toward my high deductible health plan savings account deductible if I pay them with cash out of pocket today?
2 real searches · 1 real-search pass
2026 HDHP deductible what expenses count toward deductible cash paid out of pocket allowed amount claims IRS HSA qualified medical expensesGoogle ↗
OBSERVEDComparison
IRS Publication 969 HSA qualified medical expenses Publication 502 medical expenses 2026Google ↗
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 HDHP deductible what expenses count toward deductible cash paid out of pocket allowed amount claims IRS HSA qualified medical expenses Google ↗
IRS Publication 969 HSA qualified medical expenses Publication 502 medical expenses 2026 Google ↗

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
2026 HDHP deductible what expenses count toward deductible cash paid out of pocket allowed amount claims IRS HSA qualified medical expenses
OBSERVED
Google ↗
AI Mode ↗
—Comparison——1x
of 1
IRS Publication 969 HSA qualified medical expenses Publication 502 medical expenses 2026
OBSERVED
Google ↗
AI Mode ↗
—Reason——1x
of 1