Flex is a marketplace that helps Americans spend their HSA and FSA dollars more effectively by surfacing eligible brands and products. Millions of people leave pre-tax HSA/FSA funds unused each year; Flex’s mission is to reduce that waste by making it simple to discover, purchase, and document eligible health and wellness purchases.

Flex aggregates HSA/FSA-eligible products across categories like smart health, women’s health, skincare, recovery, fitness, sleep, and ergonomics so shoppers can buy with confidence and save using pre-tax dollars. The platform supports HSA/FSA card payments, credit/debit cards, and split payments. For items that require medical justification, Flex offers a brief chat-based telehealth consultation to issue a Letter of Medical Necessity (LMN) that customers can use for reimbursement.

Key benefits and scale: Flex highlights industry impact and user savings, noting that customers can save an average of ~30% using pre-tax funds and that the marketplace has processed millions of orders. The site also provides FAQs, guidance on LMNs, and customer support to simplify compliance and record-keeping.

Flex serves individual shoppers with HSAs or FSAs and employers looking to offer more flexible health spending options. The marketplace partners with well-known brands to make health-related purchases accessible and eligible under IRS guidelines.