Health Reimbursement Arrangements (HRAs)

Supplement gaps, provide more holistic coverage, and show employees you care.

Health-related expenses that align with your company values

HRAs provide employers a tax-advantaged and custom approach to healthcare benefits. They give employees the flexibility to choose coverage with the dignity to use benefits with discretion.


Define reimbursable health care expenses such as, premiums, copays, pre deductible expenses, prescriptions, and more.

Medical Travel

Support employees’ reproductive health and travel needs.

Mental Health

Increase access to behavioral health, counseling, and therapy resources.

Gender Affirmation HRA

Support counseling, therapy, and medical procedures.

Fertility Assistance HRA

Cover medical procedures and IVF expenses.

COVID testing and PPE

Provide employees peace of mind with preventive measures and equipment.

Individual Coverage HRA

Support different classes of employees (e.g. part-time employees) with competitive benefit options.

Manage HRAs with Forma
the flexible benefits leader

A tax-advantaged, custom approach to enhance benefits

Stay compliant

Forma helps create plan documents, conduct nondiscrimination testing (NDT), and enforce company policy.

You set the rules

The HRA plan document and eligibility can be governed by your organization and aligned with your values.

One platform for all benefits

Forma can manage all pre and post-tax spending accounts giving employees a better experience and you less to manage.

Software built for the 2020s

Forma is built with consumer-grade software that employees will love and requires little to no training.

World-class, global support

With staff working for you around the globe, someone is always nearby to support employees and review claims.

Set up (or adapt) in days

Roll out new benefits or quickly address regulatory changes with point-and-click administration and an on-call CX team.

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It’s super easy to use. I love all the options & love the easy access to support.

Forma Member
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Cut HR administration time by

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Save healthcare costs by encouraging employees with an HMO/LSA combo

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Forma gives us the ability to provide flexible perks to meet the needs of our diverse and distributed workforce.

Maggie Fitzgerald
Benefits Manager
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Reduced admin time from 128 hrs/month to just

15 min
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Start to finish: using Forma was simple. No headaches whatsoever.

G2 user review
Forma Member