Pre-tax Accounts

Modernize HSA, FSA, and commuter benefits
with the support you deserve.

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

Piggy bank

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Most pre-tax benefits solutions white label outdated technology.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.

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.

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

G2 user review
Forma Member
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Reduced admin time from 128 hrs/month to just

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

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Cut HR administration time by

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

Forma Member