Welcome to Optum Financial
We improve health and financial well-being by transforming how people and organizations save, spend, invest and pay for health care.
Connecting health care and finances
Health and finances have never been more connected. That’s why we provide and manage a full, end-to-end health finance experience for all those we serve.
Confidently save, spend, pay and invest for health care with a variety of health benefit account offerings.
Engage employees and help your business manage the cost of care with our full suite of health accounts and stop loss offering.
Manage claims and payments more efficiently so you can focus on member needs and patient care.
Help your clients maximize employee benefit offerings and manage risk in health care claims.
Important news and updates
The marriage of health and money
Learn how to end consumer confusion about health saving and spending by modernizing health savings accounts with digital technology and analytics..
What’s new with Optum Pay™
We are excited to announce new features that will bring more power to your practice so you can spend less time on claims and more time getting people the care they need.
Here are some of the most-requested
sources for information.
I'm new to accessing my account on optumfinancial.com
I already have an Optum Financial HealthSafe ID
I normally access my account on optumbank.com
I want to open an HSA
Take control of your health care savings and open a health savings account today. It takes less than 10 minutes to enroll.OR
From HSAs and HRAs to FSAs, commuter accounts and more, choose the benefit accounts that are right for your employees.
Help support employees facing life challenges outside of the work environment and improve their work-life balance.
Protect your organization from catastrophic claims with one of the most robust policies in the industry.*
Easy account administration at your fingertips. Administrators can access the information they need in one consolidated dashboard with access to tools and resources that save time and improve the employee experience. Click the link below to sign in to HRcommand®.OR
Help people save and pay for health care.
For self-insured groups, Optum Stop Loss insurance protects employers against unexpected increases from catastrophic claims.*
BROKERcommand — the smarter way to manage clients
Onboard a client with just a few clicks. And with the dashboard view, skip the guesswork and see with clear visibility where all clients and prospects are in the onboarding, proposal, and renewal process.
*Stop loss insurance is underwritten by Unimerica Insurance Company. In California, stop loss insurance is underwritten by Unimerica Life Insurance Company, and in New York stop loss insurance is underwritten by UnitedHealthcare Insurance Company.OR