Flexible healthcare solutions.

Flexible Benefit Administrators (FBA) has been changing the way clients manage their benefits programs for over 36 years. Our philosophy at FBA is to create services to fit our clients; not services our clients must fit.

Flexible Spending Accounts Health Savings Account Health Reimbursement Arrangement (HRA)

More than benefit plans,

FBA solutions include full-service administration, ongoing support and experience. Lots of experience.


Our plans are designed with flexibility so they can align with any benefit strategy. When partnering with FBA, not only will you receive a benefit plan but also full-service administration and on-going support.

As the industry evolves, FBA is committed to progressing as well. By choosing FBA, you are ensuring your benefit plans always remain with compliance and are provided with cutting-edge technology for you and your employees. With over three decades of third-party benefit administration experience, FBA is committed to providing top-quality administration because, to us, it’s more than just business. It’s about family.

With our name on the line we furnish excellence by implementing a business model that simplifies benefit processes yet allows each of our clients to offer a plan option to meet their employees’ unique needs. FBA places a premium on superior service.

FSA Solutions from FBA

Woman walking dog and using phone

What is an FSA?

An FSA is a Flexible Spending Account, allowing employees to set aside pre-tax dollars to be used for eligible expenses, which can save them money down the line by offsetting taxable income. Different FSA programs include a Healthcare FSA, Dependent Care FSA, Limited FSA, and Adoption Assistance Account.

HealthCare FSA

HealthCare FSAs can be used to pay for qualified healthcare expenses, including medical, dental, and vision costs, that are out of pocket expenses. By offering a HealthCare FSA, participants are able to pay for these qualified expenses incurred during the plan year as an active participant. The 2023 annual contribution limit for a HealthCare FSA is $3,050

Limited Purpose FSA

A Limited Purpose FSA is exclusively designed to offset the cost of dental and vision expenses. This FSA program is available to employees who are enrolled in a high deductible health plan (HDHP) as well as an HSA. Limited Purpose FSAs offer additional tax savings for employees, which in return increases plan participation.

Dependent Care FSA

The Dependent Care FSA is used to pay for eligible dependent care expenses. A few qualified expenses include but are not limited to child care, elder care, nursery school and more. The maximum annual contribution limit for a Dependent care FSA is $5,000. This plan is a smart, simple way to save money while taking care of your loved ones.

HRA Solutions from FBA

Doctor caring for patient

What is an HRA?

An HRA is a Health Reimbursement Arrangement (sometimes called a Health Reimbursement Account), and is an IRS-approved, employer-funded, tax-advantaged health benefit used to reimburse employees for out-of-pocket medical expenses and personal health insurance premiums.

Types of HRAs

Standard HRA

A Standard HRA is incorporated with a high deductible high premium (HDHP) plan. Employers will select how much funding is put into the HRA as well as what is covered under the HRA, in some cases there is a deductible with the plan. The Standard HRA cannot be used to cover insurance premiums.

Medical Expense Reimbursement Plan (MERP)

MERP stands for Medical Expense Reimbursement Plan and is any plan or arrangement under which a business reimburses an employee for out-of-pocket medical expenses incurred by employees or their dependents. If administered correctly, all reimbursements are paid to the employee 100% tax-free.

Individual Coverage HRA (ICHRA)

The Individual Coverage Health Reimbursement Arrangement (ICHRA) is a formal, tax-advantaged health benefit that allows businesses of all sizes to reimburse employees for medical expenses, including individual health insurance.

Qualified Small Employer HRA (QSEHRA)

The Qualified Small Employer Health Reimbursement Arrangement (QSEHRA), also known as a small business HRA, is a company-funded, tax-free health benefit used to reimburse employees for personal health care expenses.

Excepted Benefit HRA (EBHRA)

The EBHRA permits employers that offer a group health plan to provide an annual pre-tax limit up to $1,800 (indexed to inflation after 2020), even if the employee does not enroll into the group health plan. An EBHRA may be offered to all employees to cover co-pays, deductibles, premiums for vision or dental insurance, and it may also cover COBRA continuation and some short-term insurance.

Retiree HRA

The Retiree HRA is used by employers for pre-65 retirees before going on Medicare or for post-65 retirees to cover Medicare supplemental coverage. The employee will select how much funding to put into the HRA and the plan can cover insurance premiums. The funds from Standard HRA plans can be rolled over into the Retiree HRA in some cases.

HSA Solution from FBA

Woman handing paper to business owner

What is an HSA?

An HSA is a Health Savings Account. HSAs are a handy way to save for medical expenses and reduce taxable income. If you are enrolled in a high-deductible health plan (HDHP), you can qualify for an HSA.

Health Savings Account (HSA)

A Health Savings Account (HSA) is a valuable tool that offers significant savings over traditional insurance plans because it not only allows employees to use it as a way to save for medical expenses, but also as a deductible funding vehicle for retirement savings strategy. Employees can invest money, once they have reached a minimum balance in their HSA, growing their account over time! Like a 401k, participants can set up allocation models for future contributions and can also transfer money to AND from their account at any time. So, what makes HSAs so great?
Unlike other plans, HSAs offer greater tax benefits, flexibility, and portability to participants. On average, participants save 30% on their healthcare costs while using an HSA. During the open enrollment period, participants are able to determine their contribution limit up to the IRS maximum. However, employees are allowed to change their elected amount at any point during the year. Additionally, participants are able to take their HSA with them if they leave their current employer.

The FBA Benefits Card

Benefits Card

The FBA Benefits Card provides your employees with immediate, thought-free access to their funds since one card can access all of your pre-tax benefits. This eliminates confusion for your participants since the card can determine automatically whether an expense is eligible and which bucket of money to pull from based on the merchant.

Why Our Card is Different

Minimal Documentation Requests

The FBA Benefits Card is a smart card that can distinguish whether the expense is eligible or ineligible for automatic adjudication. We are constantly monitoring transactions and adjusting our system logic to allow for more card swipes to be adjudicated at the point of sale without your participant needing to submit documentation. We also can set up recurring expenses and employer-level exceptions.

Identity Theft Protection

Since our card is issued through MasterCard®, participants are entitled to identity theft and fraud protection at absolutely no cost to you or them. MasterCard® partners with CSID®, an industry leader in identity theft and fraud protection, to help keep participant information safe. Not only will participants receive alerts, but they can also get expert assistance replacing lost items and guidance should they become the victim of identity theft.

Additionally, participants can register various items to be monitored. This includes but is not limited to:

  • Social security number
  • Credit, debit, and prepaid cards
  • Bank accounts
  • Driver’s licenses
  • Health, dental, and vision cards
  • And more!

When a participant is ready to register, they can sign up using their FBA Benefits Card at: mastercardus.idprotectiononline.com

"I cannot thank you enough for your time and, especially, for making the drive to spend time with each of my employees. Your kind, generous attitude was most helpful when speaking about our new FSA/HSA vendor. I know employees appreciated being able to meet with you one-on-one."



"I have so enjoyed working with you and completing this last step in the process. You represent the gold standard of customer service and it is profoundly appreciated."



"It's so much easier to use our Flex Spending since FBA started to work with us. We love the turnaround time for claims, the card is so easy to use, and not having to validate every single card swipe has been AWESOME!"


We provide coverage, wherever you are.


FBA was one of the first third-party benefit administrators in the nation, and covers the nation, from coast to coast. 

So no matter where you are in the United States, you'll be able enjoy all the advantages of our customized plans, personalized attention, excellent service, flexibility, knowledge and experience.