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Tackling health costs, for you

It’s our mission to help people live healthier, happier lives. Together, we’re tackling health costs, and we are always here for you.

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 prescription 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.


Frequently asked questions about your health accounts

Check out our frequently asked questions to learn how to make the most of your health account and estimate how much you should save.

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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.

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Use your health account dollars

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

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Optum Store

Your destination for eligible products at prices you’ll love

The Optum Store makes it easy to find what products and services are eligible. Shop today!

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Eligible expenses

Does your expense qualify?

Filter by expense type to learn what you can buy with your health account.

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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), 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.