Skip to main content

Health care

We provide affordable and personalized care

How can we help?

Helpful links

11 things to keep in mind for a more healthy lifestyle

More articles

Financial

Accounts to help you save and pay for health care expenses

How can we help?

Helpful links

  • Resources

    Find contribution limits, savings tools, calculators and eligible expenses

  • Account support

    Find contact information and frequently asked questions

Open enrollment

Plan ahead for 2025

Open enrollment is here. Explore your financial health benefit account options to maximize your benefits. Visit the Resource Center to learn more.

Explore your options
Account sign in
  • Submit a claim
  • Pay with an HSA
  • Manage your HSA contribution
  • Invest your HSA
  • Account support
  • Forms and documents
  • And much more
Sign in
Learn about accounts
Helpful links

Pharmacy

We make it easy to get medications you need, when and where you need them

How can we help?

Helpful links

  • Optum Rx

    For people with pharmacy insurance benefits through Optum Rx

  • Track orders

    Track your home delivery and specialty order

  • Pharmacy support

    Find contact information and answers to frequently asked questions

Mobile app

Optum Rx on the go

Request refills, track order status, manage billing information and much more.

Download on the App StoreGet it on Google Play

Health savings account (HSA) calculator

An HSA is a smart, simple way to save on qualifying medical expenses

Use this calculator to estimate the short and long term benefits of contributing to an HSA, including:

  1. Your yearly maximum HSA contribution limit
  2. Your annual tax savings with an HSA
  3. How your HSA can grow over time

Step 1: Calculate your maximum HSA contribution

All fields are required.

Select your health insurance coverage (required)

Select the tax year (required)

Will your employer or anyone else contribute? (required)

Are you 55 or will you turn 55 this year? (required)

Your data will not be saved after you complete this form.

Account holders who join an HSA eligible health plan on or before the first day of the last month of their tax year (December 1 for most taxpayers) may contribute up to the annual statutory maximum, plus any applicable catch-up contributions. However, if HDHP coverage is not maintained for the entire test period, all or a portion of contributions may be subject to taxes plus a penalty.

This HSA calculator is intended to be used as a reference tool only. Your actual maximum contribution, tax savings and future savings may vary depending on a number of factors (such as variations in other payroll taxes, income or medical expenses and changes in state or federal tax laws or regulations.) The content of this communication is not intended as legal or tax advice. Federal and state laws and regulations are subject to change.

Health savings accounts (HSAs) are individual accounts largely held at Optum Bank®, Member FDIC, and administered by Optum Financial, Inc. or ConnectYourCare, LLC, an IRS-Designated Non-Bank Custodian of HSAs, 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 and/or local taxes may still apply. Fees may reduce earnings on account. Refer to your HSA account agreement for details.

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.