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Spend less on health care expenses

At Optum Financial, we help you save on health costs, so you have more to spend on the things you love.

Health benefit accounts

Find the right account for you

Explore the variety of account types below and learn how they can help you make informed choices for your health and your life.

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Health savings accounts (HSAs)

Start saving smarter for life

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

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Flexible spending accounts (FSAs)

Make your money go further

Your FSA allows you to use pre-tax funds for health and care costs for you and your family. You save on every dollar you put into your FSA.

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Health reimbursement arrangements (HRAs)

Help offset costs for eligible expenses

An HRA is an employer-funded account for health care expenses.

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Commuter benefits

Heading into work?

Save on the cost of commuting to work by paying with pre-tax money.

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Lifestyle spending accounts

Improve your work-life balance

Employer-funded assistance for expenses help improve your work-life balance.

HSA/FSA card

Pay the smarter way

Your HSA/FSA card is the fastest and most convenient way to pay for everything from bandages and braces, and chiropractors to contacts. Plus you save up to 30%* since you’re using pre-tax dollars.

It’s easy to find qualified HSA and FSA products at your favorite retailers like Optum Store, Walmart and Amazon.

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Calculate how much you could save

Use your health account dollars wisely

Use our tools to help you save, pay and invest for your health care from now into retirement.

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HSA calculator

Find contribution details and how savings may grow over time.

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Retirement checkup

Estimate your health care costs during retirement so you can be prepared.

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Qualified expenses

Use our qualified medical expense search tool to find out what expenses qualify.

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FSA calculator

See how much you can save on eligible health and day care expenses.

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Customer support

Our customer support center is available for assistance 24/7 at 1-877-292-4040.

Email us today

Use your health account dollars

Save money by using your health account dollars on qualified medical expenses.

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Optum Store

Shop eligible products

Optum Store makes it easy to find eligible expenses. Shop using your HSA or FSA card to save 30%* since you’re using pre-tax dollars.

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Eligible expenses

What can I buy?

Does your expense qualify? Use our qualified expense search tool to find out what expenses you can spend your HSA and FSA dollars on.

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*Assuming a 30% combined tax rate from all applicable federal, state, and FICA taxes. Results and amount will vary depending on your circumstances.

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), and health reimbursement arrangements (HRAs), (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.

The promotional code OPTFSA7, OPTHSA5 and OPTHRA7 cannot be applied to previously placed orders, and cannot be combined with other promotional codes. Additionally, the code cannot be used for prescription drugs or virtual care visits. Promotional codes are not transferable or redeemable for cash or credit. To apply a promotional code you must enter it prior to completing the order. Free and expedited shipping offers do not apply to shipping outside of the contiguous United States. Additional shipping restrictions may apply. The Optum Store is an affiliate of the UnitedHealth Group family of companies.

Your employer sponsored plan may exclude reimbursement for certain categories of items. Check your plan document and summary plan description or contact your benefits department for specific coverage details.