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About Optum Financial

We are transforming how care is financed and paid for, accelerating a healthier future for all. 

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Who we help

We provide effective financing and payment services, expanding access to care and increasing confidence in the health system.

Make the most of your health accounts

Health savings accounts (HSAs)

Ready when you need it and yours to keep 

Flexible spending accounts (FSAs)

Use pre-tax funds for health and care costs

Health reimbursement arrangements (HRAs)

Employer funds for health care expenses

Empower employees to manage their health and financial wellness

Health savings accounts (HSAs)

Accelerate progress toward a healthier future

Flexible spending accounts (FSAs)

Help employees save money on qualified expenses

Lifestyle spending accounts

Attract and retain talent in a competitive market

A better payment experience for you, your members and providers

Optum Pay

Our smart payment platform is built for the business side of care.

Working capital

Step into the future with innovative loan solutions from Optum Bank.

Health payment delivery solutions

Our configurable, secure platform makes payments faster and easier.

Gain a competitive edge by connecting clients with our solutions

Health savings accounts (HSAs)

Accelerate progress toward a healthier future

Lifestyle spending accounts

Help employees save money on qualified expenses

Stop loss insurance

Protect self-funded employers from financial risk

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Use your health account dollars wisely

Shop HSA and FSA products


Use your Optum Financial payment card to shop for qualified expenses.

Qualified medical expenses


Find out what qualified expenses you can spend your health account dollars on.

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Health savings accounts (HSAs) are individual accounts offered through Optum Bank®, Member FDIC, or ConnectYourCare, LLC, an IRS-Designated Non-Bank Custodian of HSAs, each a subsidiary of Optum Financial, Inc. Neither Optum Financial, Inc. nor ConnectYourCare, LLC is a bank or an FDIC insured institution. HSAs are subject to eligibility requirements and restrictions on deposits and withdrawals to avoid IRS penalties. State taxes may apply. Fees may reduce earnings on account.

Flexible spending accounts (FSAs), dependent care assistance programs (DCAPs), health reimbursement arrangements (HRAs), Commuter and Parking Benefits, Tuition Assistance Plans, Adoption Assistance Plans, Surrogacy Assistance Plans, Wellness Benefits, and Lifestyle Accounts (collectively, “Employer-Sponsored Plans”) are administered on behalf of your plan sponsor by Optum Financial, Inc. or ConnectYourCare, LLC (collectively, "Optum Financial") and are subject to eligibility and restrictions. Employer-Sponsored Plans are not individually owned and amounts available under the Employer-Sponsored Plan are not FDIC insured.

This communication is not intended as legal or tax advice. Federal and state laws and regulations are subject to change. Please contact a legal or tax professional for advice on eligibility, tax treatment, and restrictions. Please contact your plan administrator with questions about enrollment or plan restrictions.

Google Play and the Google Play logo are trademarks of Google LLC. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.

The capital loan, also known as Optum Pay® Advance, is a short-term loan offered by Optum Bank®, a subsidiary of Optum Financial, Inc., and is subject to eligibility and restrictions. Provider will repay this loan primarily through a percentage of future claim payment activity and secondarily through separate payments should the claim payment activity be insufficient to meet the minimum payment requirements. Provider is granting Optum Bank a security interest in, among other things, accounts and proceeds to guarantee repayment of the loan. Please see the program Terms of Use Agreement and Agreement for full terms and conditions, including fees and repayment terms.

The cash flow loan, also known as Optum Pay® Express, is an accelerated loan program by which Optum Bank® may make disbursements (loans to be repaid via deposits made to your account) to Providers subject to ongoing eligibility requirements and other restrictions. While the Provider remains in the program, Provider may receive disbursements on a monthly basis. Disbursements are repaid through future claim payment activity or other deposits to your account. Disbursements are not guaranteed and can vary in amount. Providers may halt future disbursements at any time, but the Agreement and other Documents will continue to apply to you and your account until any outstanding balance has been repaid. Please see the Agreement and other Documents for full terms and conditions.