Lifestyle Spending Accounts (LSA), FSA, HSA, HRA | Why Forma
Available now! 2026 global lifestyle spending accounts benchmark report
Explore Forma's benchmark report, the definitive resource for insights and trends about LSAs and the flexible benefits landscape.
For Forma members please submit questions to support@joinforma.com.
Helping your employees
- start families
- improve their health
- care for loved ones
- learn new skills
- find support
- feel cared for
- save money
- discover a new hobby
- work from home
- achieve their goals
- change their lives
Forma is transforming lives
Have you ever had an employee spontaneously rave about your HR technology? Forma is different. Your employees will love it and frequently express their appreciation for the benefits you provide. What story will your employees share?
Loved by companies who love their employees
One platform. Ultimate flexibility.
Forma manages all types of flexible benefits. This way, employees have a simple, unified experience whether using their pre-tax HSA or a post-tax wellness allowance.
Meet Forma: Customizable spending accounts that employees love
We revolutionized employee benefits with customizable spending accounts that let employees choose what's meaningful to them. Working with many top brands, we help develop competitive benefits packages that save companies time and money.
3 ways to pay
Flexibility is in our DNA. Employees get reimbursed on their terms with a global Visa card, quick claim reimbursements, or direct purchases at discounted prices in the Forma Store.
Truly global
We’re live in 111 countries and can manage all of the unique customizations and processes that come with it. It’s a benefit of working with the world’s largest brands.
Award-winning user experience
Forma’s intuitive design was actually built for the 2020s. No training required.
Adaptive with change
With click-not-code configuration, program changes can be made in minutes and you can adapt to this crazy world.
Going above & beyond. Unparalleled support.
We’ll take procurement, administration, fulfillment, and compliance off your plate. Employees can expect crazy fast claims processing with 24/7 support.
Personalized experiences
Forma's AI gets to know your employees and provides tailored experiences based on the interests, eligibility, and location of each employee.
Seamless integrations
Right-sized integration solutions that match your ecosystem with sophisticated API connectors, SCIM for easy provisioning, or dependable file-based approaches that simply work.
Incomparable tech-stack
The tech behind the scenes is world-class. Payments, HR integrations, and managing different taxation processes are easy and just work. Plus, claims processing is among the fastest around.
Benchmarking & analytics
Understand utilization, spending trends, and more. Benchmark your offers and budgets against other world-class companies.
Enterprise-grade tech
We’re SOC 2 Type 2 and GDPR compliant, comply with WCAG accessibility standards, and have passed security reviews from some of the world’s most demanding companies.
Industry’s first: LSA Eligibility Standards
Much like the IRS defines FSA eligibility, we’ve categorized lifestyle benefits with pinpoint detail so defining employee eligibility is as simple as toggling a button.
The industry innovators
Forma is constantly first to market with advanced capabilities like date-based wallets, pooled funds, and amortized payments for large purchases.
Stretch employee benefits budget further with Forma
Case Study: Microsoft's global LSA strategy
How Microsoft’s benefits program for 220K employees across 100+ countries set new standards for global employee wellness.