New to an HSA? Learn the basics
An HSA is a tax-advantaged account that helps you pay for qualified medical expenses. The funds are yours to spend forever — even if you retire, change jobs or change health plans.
An HSA provides triple tax savings — contributions are not taxed, account growth through interest and investment earnings are not taxed, and withdrawals for qualified medical expenses are income tax free. It’s a win-win to save on health costs today, tomorrow and even through retirement.
Pay the smarter way
Your HSA card is a fast and convenient way to pay for qualified expenses while skipping the paperwork. From trips to the doctor to everyday care like cold medicine and first aid kits, simply pay using your HSA card and you're all set. Plus, you'll save up to 30% because you're using pretax dollars.*
Use your HSA dollars
Use your HSA card at Optum Store to shop HSA-eligible items all in one place.
Plus you save up to 30%* since you’re using pretax dollars. Get an extra 5% off with code OPTHSA5 to save even more.*
Fund your HSA
Boost your balance
Contributing to your HSA is hassle free and tax free. Plus, it's always on your terms, giving you a health expense cushion when you need it.
Use your HSA dollars
What can I buy?
Does your expense qualify? Use our search tool below to find out what expenses you can spend your HSA dollars on.
Move accounts painlessly
Changing HSA administrators doesn’t have to be chaotic. Our implementation specialists will help make the process seamless.
ConnectYourCare, now part of Optum Financial, has earned the distinction to serve as an IRS-designated non-bank trustee.
We’re here to help
Whether you’ve just opened your HSA or you’re preparing to retire, our resources make it easy to save, pay and invest your HSA dollars.
HSA-FSA card: Pay the smarter way
Watch this video to learn more about the most convenient way to pay for everyday health items like sunscreen, cough drops, wrist braces, tampons and more.
Transfer your HSA
It’s easy to combine your HSA funds into one account
How to use your HSA
Learn how to make deposits to and withdrawals from your HSA
HSA contribution limits
Take advantage of your HSA's tax benefits by contributing the maximum