# Forma alternatives: what AI models name instead, November 2026

Gane Index, November 2026 Edition. 331 of the 504 answers in the 2 categories where Forma holds a standing named it neither first nor as an alternative; these are the first choices those answers made. Page: https://www.gane.ai/index/hr/vendors/forma/alternatives

## Named instead, most often (every category and segment added)

- Lively: 42
- HealthEquity: 37
- Compt: 27
- Fidelity HSA: 19
- JOON: 16
- Gusto: 13

## Flexible benefits and lifestyle spending accounts

**Small business**: 56 of 84 answers did not name Forma (Forma is #3 of 10 at 11%).

- Compt: first choice in 17 of those 56
- Gusto: first choice in 9 of those 56
- JOON: first choice in 8 of those 56
- Benepass: first choice in 3 of those 56
- Decisely: first choice in 2 of those 56
- Fringe: first choice in 2 of those 56
- Rippling: first choice in 2 of those 56
- PeopleKeep: first choice in 1 of those 56

**Mid-market**: 44 of 84 answers did not name Forma (Forma is #1 of 9 at 36%).

- JOON: first choice in 8 of those 44
- Compt: first choice in 5 of those 44
- Benepass: first choice in 2 of those 44
- Bene: first choice in 1 of those 44
- Benefex: first choice in 1 of those 44
- BenefitHub: first choice in 1 of those 44
- Holisticly: first choice in 1 of those 44
- Justworks: first choice in 1 of those 44

**Enterprise**: 35 of 84 answers did not name Forma (Forma is #1 of 11 at 47%).

- Compt: first choice in 5 of those 35
- Alight Solutions: first choice in 2 of those 35
- Benefitfocus: first choice in 1 of those 35
- Benepass: first choice in 1 of those 35
- Businessolver: first choice in 1 of those 35
- Dayforce: first choice in 1 of those 35
- Mercer's Darwin platform: first choice in 1 of those 35

## HSA and FSA administrators

**Small business**: 67 of 84 answers did not name Forma (Forma is #4 of 10 at 8%).

- Lively: first choice in 28 of those 67
- Fidelity HSA: first choice in 8 of those 67
- Gusto: first choice in 4 of those 67
- HealthEquity: first choice in 2 of those 67
- Navia Benefit Solutions: first choice in 2 of those 67
- WEX Benefits: first choice in 2 of those 67
- HSA Bank: first choice in 1 of those 67
- Hammock: first choice in 1 of those 67

**Mid-market**: 72 of 84 answers did not name Forma (Forma is #6 of 14 at 7%).

- HealthEquity: first choice in 14 of those 72
- Lively: first choice in 14 of those 72
- Fidelity HSA: first choice in 10 of those 72
- WEX Health: first choice in 5 of those 72
- WEX Benefits: first choice in 4 of those 72
- Businessolver: first choice in 2 of those 72
- HSA Bank: first choice in 2 of those 72
- Admin America: first choice in 1 of those 72

**Enterprise**: 57 of 84 answers did not name Forma (Forma is #3 of 13 at 9%).

- HealthEquity: first choice in 21 of those 57
- WEX Benefits: first choice in 6 of those 57
- Benepass: first choice in 1 of those 57
- Businessolver: first choice in 1 of those 57
- Fidelity HSA: first choice in 1 of those 57
- Inspira Financial: first choice in 1 of those 57
- WEX Benefits Administration: first choice in 1 of those 57
- WEX Health: first choice in 1 of those 57

Published under CC BY 4.0. The output is the models' output; nothing here is a recommendation by the index.