Full-Time
HSA/FSA payment checkout platform
$160k - $220k/yr
Remote in USA
Remote
| , |
Flex provides a checkout solution for health savings accounts (HSAs) and flexible spending accounts (FSAs). It offers a hosted checkout page or customizable UI building blocks that developers and businesses can integrate into their systems, enabling HSA/FSA payments in ecommerce, healthcare, and wellness contexts. The platform handles the transaction flow, IRS compliance, reporting, and verification, charging businesses for usage and added services. Flex differentiates itself by delivering ready-made, compliant payment integration focused specifically on HSA/FSA payments, simplifying adoption for merchants and developers, and targeting sectors like e-commerce platforms, healthcare providers, and wellness retailers. Its goal is to help consumers use tax-advantaged funds more easily while helping businesses increase conversion rates and stay compliant.
Company Size
11-50
Company Stage
Series A
Total Funding
$18.3M
Headquarters
San Francisco, California
Founded
2023
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Unlimited Paid Time Off
Paid Sick Leave
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Flexible Work Hours
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Spartan Race adds HSA/FSA payments through Flex. March 18, 2026 1/3 free articles used this month. The partnership will allow eligible participants to use pre-tax healthcare funds towards Spartan's over 250 obstacle course endurance events across the globe. Good news for any Spartan Race fans: thanks to a new partnership with Flex, participants can now use Health Savings Account (HSA) and Flexible Spending Account (FSA) payments toward registration costs for the brand's popular endurance events. The HSA/FSA payment platform is solidifying its presence in the fitness and wellness industry with the collaboration, enabling eligible athletes to use pre-tax healthcare dollars toward Spartan's more than 250 obstacle course events across 40-plus countries, including Tough Mudder and DEKA. For those eligible, the funds could help unlock potential savings of 30 to 40% while participating in an experience that supports physical and mental health, as well as community engagement. The races draw in over one million annual participants, and the move represents a cultural shift in how brands and spending platforms categorize health spending. "At Spartan, we have always believed that the best prescription for health is a challenge that forces you to show up," said Spartan founder and CEO Joe De Sena. "Putting a Spartan event on the calendar changes how you train, what you eat and how you live. By partnering with Flex, we are making it easier for more people to commit to that transformation. Using your HSA or FSA to sign up for an endurance event is an investment in your future self." The partnership also removes barriers to entry for Spartan participation, with entry cost reduced by roughly one-third, allowing people to engage in the healthy lifestyle habits that naturally emerge with training. "Flex was built to help qualifying consumers use their HSA and FSA dollars on the things that genuinely improve health," said Flex co-founder and CEO Sam O'Keefe. "For many, committing to and training for a Spartan event contributes to their cardiovascular health, metabolic fitness, muscular endurance and mental resilience in ways that are clinically meaningful. We're proud to help make those opportunities accessible through pre-tax health benefits." Flex and Spartan's relationship may deepen beyond race entry as well - the sides are looking to explore more integration across the broader Spartan ecosystem, with potential inclusion of training programs, recovery tools and other athlete resources under HSA/FSA coverage. Looking across fitness and wellness, you'll find more brands tapping into the potential of using HSA/FSA funds to expand access to programs, amenities and more. Just last month, luxury fitness and wellness giant Equinox partnered with Flex to allow HSA/FSA funds to go toward costs of select memberships, personal training, recovery services and women's health programs. These new integrations arrive following Flex's major financial boost to expand access, raising $15 million in Series A funding after growing its customer base fivefold over the past year, through additions such as Dermstore, Therabody, Omnilux and NordicTrack.
Flex partners with Ladder to make strength training eligible for HSA and FSA spending. The new integration allows consumers to use pre-tax health benefits on Ladder's expert-led strength training programs, expanding access to affordable, effective fitness plans. SAN FRANCISCO, Dec. 09, 2025 (GLOBE NEWSWIRE) - Ladder, the #1 iOS app for strength training, has partnered with Flex, the leading HSA/FSA infrastructure company, to make it easier than ever for consumers to invest in their health and fitness with pre-tax dollars. Through this partnership, individuals can now use their HSA and FSA funds to purchase Ladder memberships, unlocking pre-tax savings of up to 30 - 40% on Ladder's weekly workout plans, in-workout coaching, progress tracking, and supportive fitness community. Ladder delivers progressive workout programs led by expert coaches that are tailored to each member's fitness level and interests. The Ladder app recently added Ladder Nutrition, a nutrition tracking system - free for Ladder members - that lets members log food in seconds, track macros, and fuel smarter for better results. By integrating Flex's seamless HSA/FSA payment solution, Ladder members can now turn their health benefits into an active investment in their overall well-being. "The future of health spending is proactive. For many people, fitness isn't just about performance; it's about staying healthy for life," said Sam O'Keefe, CEO of Flex. "By making Ladder eligible for HSA and FSA spending, we're helping more people invest in their long-term well-being in a way that's both affordable and sustainable." With more than $150 billion in HSA and FSA accounts, consumers are increasingly seeking ways to use their benefits proactively rather than reactively. The Flex and Ladder partnership meets this growing demand by connecting physical performance and financial wellness in one seamless experience. "At Ladder, we know that consistently following a plan is the key to achieving your health and fitness goals," said Greg Stewart, CEO of Ladder. "Ladder delivers personalized, progressive workout plans typically only available through expensive personal training, alongside a supportive community that helps members stay motivated. We're thrilled to make Ladder even more accessible through our HSA/FSA partnership with Flex." Flex simplifies eligibility for Letters of Medical Necessity, ensures IRS compliance, and delivers a frictionless checkout experience that helps expand access to products and services like Ladder that genuinely improve well-being. Together, the two companies are empowering more people to take control of their health, one rep at a time. About Flex Flex is the HSA/FSA payments infrastructure for top health and wellness brands. Built for omnichannel retailers, Flex helps businesses unlock over $150B in pre-tax health spending - boosting AOV by up to 50% without adding new acquisition channels. From recurring payments to mixed-eligibility carts, Flex integrates seamlessly into your existing tech stack and handles the complexity of HSA/FSA so your team doesn't have to. Learn more at www.withflex.com About Ladder Ladder is the #1 strength training app for people who are serious about their health and fitness. Ladder makes it easy to plan and maintain a consistent strength training routine. With new workouts each week from expert coaches, Ladder members can follow progressive workout plans in a variety of modalities, including Pilates, HIIT, bodybuilding, hybrid training, kettlebells, yoga, prenatal strength training and more. Ladder maintains a 4.9 rating on the App Store across more than 100,000 reviews and has been recognized by Apple with its Editors' Choice award and as a Finalist for 2025 iPhone App of the Year. Take a free quiz to find your ideal training plan and start your 7-day free trial today - no credit card required. Visit joinladder.com. Flex Media Contact [email protected] Ladder Media Contact [email protected]
Fitness & Wellness brands go all-in on HSA/FSA spending. Pre-tax healthcare dollars are flowing into fitness as big brands race to tap into the industry's next growth lever. Here are some of the latest moves. Most people don't think of an at-home Pilates reformer, fitness app or red light therapy mask as a qualified medical expense, but that's changing (and fast). Johnson Fitness & Wellness, the retail arm of Johnson Health Tech, has partnered with Flex, a health benefits payments platform, to make it easier for consumers to buy fitness equipment with Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA). Shoppers can now use pre-tax dollars on treadmills, strength equipment and massage chairs, both online and in Johnson's 100-plus U.S. stores. Flex's own momentum highlights why the model is catching on. The company recently raised $15 million in Series A funding to expand its platform, adding brands like Balanced Body and NordicTrack, while helping partners see a more than 50% increase in average order value, a 30% boost in checkout conversion and a 20% rise in converting free trials to paid plans. The move taps into nearly $150 billion sitting in Americans' pre-tax spending accounts, according to HSA research firm Devenir, a massive pool of money that's only recently becoming accessible for fitness and wellness purchases. "Johnson Fitness & Wellness continues to push the boundaries of what it means to invest in health, and Flex is proud to help accelerate that mission," Flex co-founder and CEO Sam O'Keefe said. "By bridging both eCommerce and brick-and-mortar, we're helping Johnson Fitness & Wellness deliver a seamless experience that drives growth while giving customers more ways to invest in their well-being." The HSA/FSA push is attracting wellness brands of all types. It's not just equipment makers getting in on the action. Fitbod, the personalized strength training app, also recently teamed with Flex to make its digital subscriptions eligible for HSA and FSA payments, marking one of the first integrations of its kind for a fitness app. Flex's growing roster of partners shows just how wide the opportunity runs. Therabody recently expanded its partnership with Flex to make several of its beauty and recovery devices eligible for purchase with HSA and FSA funds, including its FDA-cleared TheraFace Mask, SmartGoggles and SleepMask. At the hardware level, iFIT, the parent company of NordicTrack and ProForm, was one of the first major fitness brands to adopt HSA and FSA payments. Since launching the option in late 2024, the company reports a 5% revenue lift, demonstrating the growing appetite for using pre-tax dollars on fitness as a form of preventive care. Preventive health is also becoming more accessible beyond the gym floor. Function Health, co-founded by Dr. Mark Hyman, recently launched a standalone Heart & Lungs CT Scan that's HSA and FSA eligible, priced at $349. The 3 - 5 minute scan cuts through the red tape of traditional imaging without referrals, insurance or a large bill and delivers results within 7 - 10 days that Function says can identify early signs of heart disease, lung cancer and other conditions. Even workplace wellness is catching the wave. Corporate wellness platform Wellhub, formerly known as Gympass, just announced new HSA and FSA payment options through a partnership with Truemed, allowing employees to use pre-tax dollars to pay for Wellhub subscriptions and save up to 40% compared to after-tax payment. "The average employee forfeits hundreds of dollars each year - money they've earned and set aside for their well-being," Wellhub chief revenue officer Carolee Gearhart said. "We built these features to put those dollars back in their pocket." The new feature, which launches in November, arrives alongside an in-app reporting tool that simplifies reimbursement for fitness and wellness programs. Supplements are also stepping out of the wellness aisle and into the pre-tax dollar system. Earlier this year, both Shed and Wonderfeel, a Silicon Valley-based biosciences company, partnered with Truemed to make its nutrition and supplement products HSA and FSA eligible. The initiative addresses what Wonderfeel calls a gap in the system, where 98% of U.S. healthcare spending still goes toward treatment rather than prevention. Why fitness brands need an HSA/FSA middleman. According to Flex, most fitness-related purchases fall under a "dual purpose" category, where products or services can be considered health-related but require a Letter of Medical Necessity. Flex automates the process, connecting customers with physicians during checkout to determine eligibility and unlock pre-tax spending on things like memberships, training and recovery equipment. For fitness and wellness brands, the opportunity goes far beyond convenience, and the payoff can be significant. Flex reports that 92% of surveyed customers say they'll return to a brand that accepts HSA and FSA payments, and shoppers spend about 20% more when they do. Purpose Brands, the parent company of Anytime Fitness and Orangetheory Fitness, recently partnered with telehealth provider Dr. B to help members apply HSA and FSA funds toward eligible fitness expenses, including monthly dues and personal training. Members can consult with Dr. B's platform to determine eligibility and generate the required Letter of Medical Necessity. "Exercise is medicine, and we must do whatever we can to make it more accessible and affordable for all Americans," Anytime Fitness U.S. president Nick Herrild said. Even insurers are getting in on the (discounted) action. UnitedHealthcare, the nation's largest health insurer, recently launched the UHC Store, a digital marketplace where members can shop discounted fitness, nutrition and wellness offerings directly through the UnitedHealthcare app or myuhc.com. The platform gives more than 6 million eligible members access to curated programs spanning women's health, weight management and condition support, with plans to expand to 18 million members by year-end. "By responding to consumer and employer needs with tech-enabled solutions to help people shop for health and wellness offerings, we aim to offer better access and improve member experiences," UnitedHealthcare commercial business chief consumer officer Samantha Baker said.
Dermalogica expands access to skin health with new HSA/FSA payment option through flex. News provided by. The new feature allows customers to shop their favorite skin treatments, moisturizers, and sunscreens using pre-tax healthcare funds - making professional-grade skincare more accessible than ever. LOS ANGELES, Oct. 9, 2025 /PRNewswire/ - Dermalogica has now made it easier than ever to invest in skin health through a new partnership with Flex, a leading HSA/FSA payment platform that allows customers to use their Health Savings Account (HSA) or flex spending account (FSA) directly on Dermalogica.com. With Flex, customers can seamlessly shop for their favorite formulas using pre-tax healthcare funds, bringing greater flexibility and accessibility to how they care for their skin. Using Flex is simple: add eligible products to your cart, select Flex at checkout, and enter your HSA or FSA card to complete the purchase. A range of Dermalogica and Clear Start favorites are HSA/FSA eligible, including * Award-winning Daily Microfoliant * Dynamic Skin Recovery SPF50 moisturizer (an HSA/FSA eligible sunscreen) Each of these formulas reflects Dermalogica's commitment to results-driven, dermatologist-developed products that don't just treat skin concerns, but help prioritize long-term skin health. Dermalogica's partnership with Flex underscores the brand's dedication to skin health, removing barriers to care and redefining skincare as an essential part of healthcare. With products developed by professionals and rooted in education, Dermalogica offers solutions for every skin type and concern. Both HSAs and FSAs are tax-advantaged accounts that help consumers save on qualified health and wellness purchases including sunscreen and acne treatments. By accepting these forms of payment, Dermalogica bridges the gap between skincare and healthcare, making it easier for customers to use their benefits toward professional-grade products designed to improve skin health. About Dermalogica Used by skin care professionals around the world, Dermalogica delivers skin treatment expertise with every touch. In 1983, founder Jane Wurwand identified a gap in professional skin care training and created the International Dermal Institute to provide advanced, post-graduate education. Wurwand launched Dermalogica in 1986, bucking the era's industry trends in favor of clean formulas, a minimalist look, and commitment to skin health, not beauty. Dermalogica today trains 100,000 skin therapists per year in advanced technologies and services. Products are formulated for the treatment room, used daily in the hands of licensed skin therapists and by millions of people for professional results at home. Headquartered in Los Angeles, CA, Dermalogica is made in the USA, with products sold in more than 80 countries worldwide. For more information, visit www.dermalogica.com. SOURCE Dermalogica
Flex Raises $15M to Unlock $150B in Untapped Pre-Tax Spending for Health & Wellness Retailers