viewBox="0 0 179.32 169.39">FloresMark

Flores is a leading national administrator of tax-advantaged reimbursement plans including Flexible Spending Accounts (FSAs), Health Savings Accounts (HSAs), Health Reimbursement Accounts (HRAs), and Commuter Benefit Accounts (CBAs) as well as custom reimbursement plans. We also handle direct bill services, including COBRA administration.

Founded in 1986, Flores has provided a better benefits experience for employers, participants, and their broker partners for over 30 years.

A look at the numbers


Better Benefits Solutions


HCFSA

Health Care Flexible Spending Account

An account employees can setup through their employer to save money on qualified health care expenses. Employers and employees experience tax savings when employees participate. We also offer a Limited and Post-Deductible Health Care FSA option for employees who participate in a Health Savings Account (HSA).

DCFSA

Dependent Care Flexible Spending Account

An account employees can setup through their employer to save money on daycare expenses for qualified dependents. Employers and employees experience tax savings when employees participate.

HSA

Health Savings Account

An account used to save for future medical costs that pairs with an HSA Qualified Health Plan. Contributions, earnings, and disbursements for qualified expenses are tax-free.

HRA

Health Reimbursement Account

An employer-funded account that pays for employer-approved expenses. Employers have the flexibility to design the plan according to the unique needs of their organization.

COBRA

COBRA

We handle monthly COBRA payment collection and remittance as well as COBRA notices. We also administer other direct billing services including Leave of Absence billing and Retiree billing.

Commuter

Commuter Benefit Account

An account employees can setup through their employer to save money on parking and/or transit expenses incurred in order to travel to work. Employers and employees experience tax savings when employees participate.

Better Benefits Delivered


We build relationships that last. Every client is assigned a highly-trained, dedicated account manager who takes ownership of their plan. The same account manager is responsible for the broker, human resources and the plan participant for one cohesive experience for all.

We empower participants with the latest technology tools to easily manage their accounts from anywhere, at any time. When participants do need help, we answer swiftly with a live voice.

For Employers

  • Each client is assigned a dedicated account manager responsible for them and their plan participants for continuity
  • Flores247 Employer Web Portal for access to robust reports, enrollment tools, and more for all plans administered by Flores
  • Proprietary technology platform offers flexibility in plan design
  • Participant-focused service model delivers better participant experience, meaning less calls to HR
participant website
participant website

For Participants

  • Flores247 Participant Web Portal to view balances, upload documents, file claims, access plan information, and more
  • e-Receipt App available for Apple and Android mobile device users
  • Access balances anytime with IVR and SMS tools
  • Automatic email confirmations and reminders from a dedicated account manager with our e-Status notification system

"I can tell you without hesitation to “just do it”.  Moving to Flores is absolutely one of the best decisions we made.  I was concerned about making a move too, but I spoke with three other companies that had glowing reviews for Flores.  I am a believer and can tell you they are the best FSA provider I have ever worked with. Our employees love them, their service team is incredibly responsive, and their accuracy of filings is of the highest level.  I tell people this is a perfect example of the importance of using a vendor that “owns” their space.  This is what they do, instead of an “added value” third party offering by someone else.  I can sincerely say, you will not have any regrets."

- Employer -

“I greatly appreciate the extra attention and care you are giving us in what I know is an extremely busy time of the year. I actually had an employee stop by my office Friday to tell me how easy it is to get in touch with you and how helpful you have been – words NEVER spoken (from myself or employees) about our previous HSA, FSA or COBRA TPAs!”

- Employer -

"I wanted to take a minute to offer commendation of Alicia. Flores has been caring for my company’s healthcare saving accounts for many years now. Alicia’s efficiency in processing my family’s medical expenses is so well honed that sometimes I forget to appreciate it.  She quickly handles our claims like clockwork, so much so that I rarely get a chance to speak to her.  However when I do, her pleasant voice and excellent phone manners complete the impression I get of a total professional. In this day and age, customer service and hard working people can be difficult to find.  This is not the case with your company.  Thank you so much for taking such good care of us."

- Participant -

Better Benefits Partner


We work together with employers, brokers, and top industry partners for accurate and efficient enrollment and eligibility updates that save employers time, money and frustration.

Resource Center

Ready-to-use tools to help you make the most of your Flores benefits.

Want to Learn More?