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Health savings accounts (HSAs)

Your HSA is ready when you need it. Whether it’s prescription refills today, or health costs down the road, you’re saving smart with an HSA.

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Start saving on qualified medical expenses

New to an HSA? Learn the basics

An HSA is a tax-advantaged account that helps you pay for qualified expenses. The funds are yours to keep — even if you retire, change jobs or change health plans.

Make the most of your HSA

Browse additional solutions to help you better understand your HSA.

Manage your HSA contributions

Make a contribution so you're prepared for future health care costs.

Does your expense qualify?

Find products you can spend your health account dollars on.

Find HSA-eligible items at the Optum Store

Use your HSA payment card and code OPTHSA5 for easy checkout.*

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Optum Financial mobile app

The Optum Financial mobile app puts all your account information at your fingertips, so you can get back to the things you love in life.

Optum Financial mobile app

Save time and take control with our advanced mobile app. Download the app today.

HSA withdrawal correction form

This form can be used to redeposit funds withdrawn in error and cannot be used to correct an Excess Contribution Return.

HSA investment overview

Watch this video to learn more about how to set up your investment account — and start investing today.

The five stages of your HSA journey

Learn more about the five-stage journey we go through as we save and pay for qualified medical expenses.

HSAs and Medicare

Learn more about what happens to your HSA once you enroll in Medicare.

Open an HSA

A health savings account (HSA) is designed to help you save and pay for qualified medical expenses.

Health account frequently asked questions (FAQs)

Part of making the most of your health accounts is understanding how to use them. Browse our FAQs to get more from your health accounts.

Health Savings Checkup tool

Estimate health care costs during retirement.

Contribution limits

Max out your HSA this year with the contribution limit set by the IRS.

Update communication preferences

Change your Optum Financial communication delivery preferences to online.

HSAs: Part of Your Financial Plan

Learn more about how your HSA can be part of your broader financial planning to create a savings nest egg and potentially save big on taxes.

Options to Invest Your HSA

This video shows you the differences between your two investment options and how to get started.

New account holder checklist

Make sure you're making the most of your new HSA with these easy steps.

On-demand webinar: Tax time and Your HSA

This webinar will help you understand the tax benefits of your HSA, which forms you'll need to file your taxes and how your state treats HSA contributions.

Calculate your health savings

See how your health accounts can impact your wallet. Use our tools and resources to calculate how to save and pay for qualified expenses.

Manage your HSA contributions

Are you taking full advantage of all your HSA's tax benefits by contributing the maximum each year?

HSAs and tax season

Learn about the tax benefits and what you need to know at tax time.

HSA Tax Center

Questions about your taxes? We're here to help. You can get copies of your most recent tax forms by signing in to your account.

Add a beneficiary to your HSA or MSA

Take a minute to ensure you have a beneficiary selected. 

What is an HSA?

Learn about the purpose of a health savings account (HSA) and how it works.

How to use an HSA

Learn how to make deposits to and withdrawals from your health savings account (HSA).