UNSPSC 84131610: Flexible spending accounts FSA

Provides the employee with a way to reimburse themselves for health care expenses not covered under the medical and dental plans and not payable by any other source with before-tax dollars

UNSPSC 84131610 Flexible spending accounts FSA is a Commodity code. State and local governments use this code to procure third-party administration of employee Flexible Spending Accounts—both Medical FSAs with debit card functionality and Dependent Care FSAs—alongside related benefits administration services including Health Reimbursement Arrangements, COBRA compliance, and retiree billing. The scope spans customer service delivery across phone, email, and web channels; non-discrimination testing; secure participant portals and mobile applications; debit card issuance; claims processing with defined turnaround times; carrier interface coordination; and comprehensive monthly and annual reporting. Recent solicitations show FSA administration embedded within broader benefits administration RFPs rather than standalone procurements; issuing bodies range from counties and municipalities to school districts and special-purpose entities. The County of Volusia, Florida issued a five-year RFP (26P66TF, due April 15, 2026) for comprehensive benefit administrative services encompassing FSA administration for approximately 3,300 eligible employees with current FSA account balances near $724,576, alongside HRA and COBRA services. Northside Independent School District in San Antonio, Texas sought Medical TPA and Pharmacy Benefit Management Services (RFP 2026-076, due May 6, 2026) serving approximately 18,000 covered members, with FSA administration as a component of the broader medical and pharmacy procurement. Cooperative Insurance Services, an Oregon public entity risk pool, posted a separate enterprise risk management and capital modeling services solicitation (SX2412900017232, due July 13, 2026) that addresses financial risk quantification across property, liability, workers' compensation, and two employee benefits trusts, indicating growing attention to FSA reserve adequacy and financial modeling among public entities.

Recent activity concentrates in Florida, Texas, Oregon, Colorado, Wisconsin, and Georgia, with school districts and county governments as primary issuing bodies. Pinellas County, Florida sought employee benefits concierge and health navigation services (RFP 26-0251, due March 5, 2026) for 3,250 benefits-eligible employees, and the City of Sun Prairie, Wisconsin issued a health insurance and benefits broker RFP (26-HR09, due March 31, 2026) for approximately 280 employees and 10 retirees, signaling that FSA administration rarely stands alone—it is bundled within integrated benefits administration, broker services, or technology platforms that address medical, pharmacy, dental, vision, and compliance obligations simultaneously. The City of Wheat Ridge, Colorado and the City of Dallas both solicited broader benefits consulting and pension advisory services in April 2026, reflecting municipal-level procurement spanning employee financial wellness. Crisp County, Georgia posted an RFI for health and welfare benefit consulting and brokerage services (RFI-2602AM, due March 20, 2026). Contractors pursuing FSA administration at the state and local level should expect rigorous compliance, data security, and insurance requirements—Volusia County mandates Cyber Insurance of $2 million per claim, Professional Liability of $1 million, and Fidelity insurance of $2 million. Opportunity concentration in benefits administration bundling means standalone FSA vendors compete primarily when integrated into larger TPA or benefits concierge platforms serving public sector employers in the 250–18,000 employee range.