Pre-tax Accounts | Modern, Flexible Employee Spending Accounts
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.
Bring your spending accounts into the 2020s
Simpler Administration
Less will be required of your team. And with a modern UI, employees can access all of their flexible benefits with little to no training.
Dedicated Support
Forma’s support is world-class and we’re always here to help. That’s why we see a 98% member satisfaction score.
Award Winning UI
With software designed for the 2020s, employees can access all of their flexible benefits and manage investments with little to no training.
Health Savings Accounts (HSAs)
HSAs provide employees multiple tax advantages and the ability to grow their money alongside high deductible health plans.
A new standard for HSAs
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Investing is easy
With Forma’s modern UI, employees can manage their funds and make investments in a wide selection of ETF funds without leaving their Forma account.
We own the tech
Many pre-tax benefits solutions white label old, legacy technology. When there’s a breakdown, you don’t want your vendor to be at the mercy of another business’s terms and support.
Modern banking
The Forma Card, direct banking connections, automatic account verification, direct member support and easy transfers help minimize confusion and reimburse employees quickly.
Flexible Spending Accounts (FSAs)
Take advantage of IRS-approved pre-tax spending without the headaches, support needs, and legacy software.
Putting flexibility back into FSAs
One system. Multiple FSAs.
In addition to supporting all types of pre-tax and lifestyle benefits, Forma supports Healthcare FSAs, Limited Purpose FSAs, and Dependent Care FSAs in one, easy-to-use system.
One Visa card to rule them all
Our smartly designed Forma Card works the way employees expect across pre-tax accounts with mobile payments, and with auto-adjudication.
Full stack control
Most pre-tax benefits solutions white label outdated technology. If a problem arises, you don't want to rely on a vendor subject to another company's terms and support.
Commuter benefits
Help make employees’ return to the office a little easier with commuter benefits that align to every country’s unique needs.
Built for the modern commuter
Global and equitable
With Forma’s pre and post-tax spending accounts, companies can provide comparable commuter benefits to employees worldwide and fund beyond IRS limits.
Modern payments
The Forma Card supports contactless and mobile payments for today’s commuters, will auto-adjudicate claims, and works across all pre-tax accounts.
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Enrollment flexibility
Centrally set up commuter programs as a benefits administrator and allow employees to enroll for commuter benefits on their own.
COBRA benefits
Dedicated support and hassle-free administration
24/7 access
Forma includes a web-based COBRA employer portal with 24/7 access to qualified beneficiary information, payment data, and reports.
Designated specialists
We’ll provide designated HIPAA and COBRA Certified Account Specialist support to help ensure that all required notices are complete and compliant.
Streamlined communication
Forma will meet you where you are. Administrators can either access our web portal or manage communications over email without logging in.
It’s super easy to use. I love all the options & love the easy access to support.
Helen
Forma Member
Start to finish: using Forma was simple. No headaches whatsoever.
G2 user review
Forma Member
Reduced admin time from 128 hrs/month to just
15 min
Forma gives us the ability to provide flexible perks to meet the needs of our diverse and distributed workforce.
Maggie Fitzgerald
Benefits Manager
Save healthcare costs by encouraging employees with an HMO/LSA combo
Cut HR administration time by
80%
It’s super easy to use. I love all the options & love the easy access to support.
Helen
Forma Member
Start to finish: using Forma was simple. No headaches whatsoever.
G2 user review
Forma Member