Health Savings Accounts (HSA)

Pay and save for health care tax-free

An Optum health savings account (HSA) provides employees with a tax-advantaged way to save and pay for qualified health care expenses now and into retirement — all while lowering your administrative overhead.

Making the most of health care dollars


Providing industry-leading experience in HSAs


Why offer an HSA?


Optum: Where health care and financial services converge

For more than 25 years, Optum has led the way in health account administration. More than simply provide an account, Optum focuses on the convergence of health care and financial services to help employees grow from an account holder to a long-term health saver. We believe that when your employees have money to pay for health care, they’ll make better decisions and will be healthier.

Health savings accounts from Optum BankSM, Member FDIC, include engaging and informative account tools and information — from pre-enrollment through enrollment and post-enrollment — to help employees understand the relationship between their health and wealth.

Optum research into health savings and spending

At Optum, we’re committed to educating and guiding employees on using their HSA wisely. Optum research shows there are five stages of health savings and spending, each with a variety of goals, mindsets and activities.


Optum can provide information, tools and support based on where each employee is in their individual journey across these five stages.

1Devenir mid-year report, 2013.
2HRA, FSA, HSA as of September 30, 2013.

Health savings accounts (HSAs) are individual accounts offered by Optum BankSM, Member FDIC, and are subject to eligibility and restrictions, including but not limited to restrictions on distributions for qualified medical expenses set forth in section 213(d) of the Internal Revenue Code. Fees may reduce earnings on account. State taxes may apply.  
Flexible spending arrangements (FSAs) and health reimbursement arrangements (HRAs) are administered by OptumHealth Financial ServicesSM.

This communication is not intended as legal or tax advice. Please contact a competent legal or tax professional for personal advice on eligibility, tax treatment and restrictions. Federal and state laws and regulations are subject to change.

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