Brokers · employers
Start this quarter. Expand at renewal.
Modernize the swipe without a mid year plan fight. Grow the same card when the year turns.
Published 2026-07-10 · Updated 2026-08-13 · Phase 3 Benefits
How you start
Commuter, lifestyle spending, wellness, professional development, and wage law programs can go live without rewriting the cafeteria plan. Members get a modern card now. Often in a mobile wallet the day funding clears.
How you expand
At open enrollment, put FSA and HRA on the same credential. The document partner stays. Members already know the card and the app.
Why deals stall, and how this unblocks them
Nobody wants a mid year fight with the TPA. Prove the member experience on programs that do not touch their documents. Then the renewal conversation is about adding wallets, not ripping out a vendor.
What to show in the room
A live split. A live explained decline. A decision record. That beats a deck about transformation.