Family formation benefits for every path to parenthood
Provide personalized benefits for fertility, adoption, and surrogacy to support employees through one of life's most significant journeys.
Meaningful family formation benefits without unpredictable costs
Provide personalized support
Provide family formation benefits that support employees’ unique journeys to parenthood.
Simplify administration
Use a unified platform so your team can manage eligibility, funding, and reporting in one place.
Consolidate to ease costs
Offer high-value family formation benefits without having to implement multiple vendors or tools.
“Forma is a safe haven for sensitive claims. It really gave us the opportunity to roll out a meaningful fertility benefit and provide for employees and their family goals.”
How Forma supports your family forming benefits strategy
Use Forma to provide employees with personalized support through their family formation journey — however their path to parenthood unfolds.
Fertility
Fertility journeys are among the most personal and expensive experiences an employee can navigate, with treatment costs that can easily reach tens of thousands of dollars. Yet fertility benefits remain among the most inconsistently offered and difficult to understand, leaving employees to shoulder significant financial and emotional weight.
Out-of-pocket infertility costs extend well beyond treatment itself. Diagnostic testing, medications, monitoring, and procedures like IVF or IUI can strain even the most prepared budgets. With Forma, employers can use tax-advantaged HRAs to cover these core medical expenses, giving employees a meaningful financial resource to draw on throughout their treatment journey.
Adoption
Adoption is a deeply meaningful path to parenthood and one of the most financially complex. Legal fees, agency costs, home studies, and travel expenses can add up quickly, often with timelines that are impossible to predict, leaving employees without the financial support they need when it matters most.
Forma lets employers cover eligible adoption expenses including agency and placement fees, legal and court costs, home study fees, and travel. Benefits can launch at any point in the year, so employers can respond to employee needs in real time.
Surrogacy
Surrogacy is one of the most financially demanding paths to parenthood, with total costs that can reach six figures across agency fees, legal expenses, medical costs, and surrogate compensation. For many employees, it is simply out of reach without meaningful employer support.
Forma's Family Formation benefits can be designed to cover surrogacy fees and related costs, giving employees a dedicated fund they can draw on as costs arise. You set the funding level that works for your organization, and Forma handles all program administration so your team doesn't have to.
HRAs and LSAs that can launch any time
Employees navigating fertility, adoption, or surrogacy aren't waiting for the right moment. The process moves on its own timeline, and so should the benefits that support it.
A Family Formation HRA with Forma integrates with your group health plan and can be designed and launched at any point during the year. For non-medical expenses like adoption agency fees, legal costs, and surrogacy fees, an LSA can extend coverage even further. Whether you're adding family formation support for the first time or expanding what you already offer, Forma handles all program administration so your team can move quickly when employees need it most.
Frequently Asked Questions: FAQs
With Forma, you have the option to customize your program design, and Family Formation is no exception. There are three main benefit vehicles used for Family Formation: tax-advantaged integrated HRAs, taxable integrated HRAs, and post-tax LSAs. Reach out to our team to discuss your needs and the best options for you and your workforce.
In the last year, employers funded a median of $10,530 per year for Family Formation benefits, with an average utilization of less than 5%. Check out our 2026 global lifestyle benefits benchmark report for a deeper dive into how employers are funding Caregiving accounts and a range of other lifestyle benefit use cases.
Absolutely! Forma has 40+ HRIS integrations, along with support for single sign-on (SSO), and thousands of financial partners. Check out our Integrations page to learn more. Still have questions? Set up time with our team to get the answers you need.