Forma

Forma is a flexible employee benefits platform founded in 2017 that helps companies move away from rigid, one-size-fits-all benefits programs toward customizable, employee-centric solutions that drive genuine engagement and reduce wasteful spending. The platform supports a comprehensive suite of account types — including Lifestyle Spending Accounts (LSAs), Health Spending Accounts (HSAs), Health Reimbursement Arrangements (HRAs), and Flexible Spending Accounts (FSAs) — all managed through a single, unified interface that simplifies administration for HR teams and the experience for employees. Employees can access their benefits through three flexible spending options: purchasing directly from the curated Forma Store, using the Forma Visa Card wherever Visa is accepted, or submitting reimbursement claims backed by a highly rated member support team. For HR professionals and benefits administrators, the platform offers a self-serve admin dashboard with real-time reporting, usage analytics, and seamless integrations with leading HRIS and payroll systems such as ADP, BambooHR, and Dayforce. Forma is best suited for mid-size to enterprise organizations across industries like technology, financial services, and manufacturing that want to offer competitive, globally inclusive benefits packages without managing dozens of point solutions. Trusted by companies including Stripe, Zoom, Lululemon, and Microsoft — and serving nearly one million employees — Forma delivers a proven approach to modernizing benefits with a 98% customer retention rate and a 98 CSAT score from members.