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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.

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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.

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Individuals  

Confidently save, spend, pay and invest for health care with a variety of health benefit account offerings.

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Employers  

Engage employees and help your business manage the cost of care with our full suite of health accounts and stop loss offering.

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Payers and providers  

Manage claims and payments more efficiently so you can focus on member needs and patient care.

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Brokers and consultants 

Help your clients maximize employee benefit offerings and manage risk in health care claims.

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Important news and updates

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Account holder resources

Create your HealthSafe ID

We’re excited to offer an enhanced, secure way for you to sign in to your accounts.

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News and regulatory update

2022 FSA limits announced

The IRS announced an increase in contribution limits for the 2022 tax year.

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Product updates

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.

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Looking for
something else?

Here are some of the most-requested
sources for information.

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  • Health accounts

    From HSAs and HRAs to FSAs, commuter accounts and more, choose the benefit accounts that are right for your employees.  

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    Lifestyle accounts

    Help support employees facing life challenges outside of the work environment and improve their work-life balance.

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    Stop Loss

    Protect your organization from catastrophic claims with one of the most robust policies in the industry.*

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    HRcommand®

    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®.

    Sign in 

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  • Optum Pay

    Our payments and reconciliation portal helps you run your business more efficiently so you can focus on what matters most: improving health outcomes.

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    Prepaid card solutions

    Deliver health care benefits and rewards to a variety of audiences.

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  • Health accounts

    Help people save and pay for health care.

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    Stop Loss

    For self-insured groups, Optum Stop Loss insurance protects employers against unexpected increases from catastrophic claims.*

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    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.

    Learn more 

    *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.

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Health savings accounts (HSAs) are offered or administered by Optum Bank®, Member FDIC, or ConnectYourCare, LLC, each a subsidiary of Optum Financial. 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/arrangements (FSAs), health reimbursement arrangements (HRAs), Commuter and Parking Benefits, Adoption Reimbursement Plans, Tuitions Reimbursement Plans, Surrogacy Reimbursement Plans, Lifestyle Plans, COBRA Benefits, and all other account types 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. 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. Federal and state laws and regulations and the design of your plan are subject to change.

Self-directed mutual fund investment options are made available through the services of an independent investment advisor, or your plan sponsor. Discretionary advisory services are provided by Betterment LLC, an SEC-registered investment adviser, with associated brokerage transactions provided by Betterment Securities, member FINRA/SIPC. For details and disclosures visit betterment.com. Certain brokerage services are offered through TD Ameritrade, Inc., member FDIC/SIPC and a subsidiary of The Charles Schwab Corporation.  For details and disclosures, visit  www.tdameritrade.com. The Schwab Health Savings Brokerage Account is offered through Charles Schwab & Co., Inc., member FINRA/SIPC. For details and disclosures, visit schwab.com.

Orders are accepted to effect transactions in securities only as an accommodation to HSA owners. Optum Financial and its subsidiaries are not broker-dealers or registered investment advisors and do not provide investment advice or research concerning securities, make recommendations concerning securities, or otherwise solicit securities transactions.

Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. iPad Pro is a trademark of Apple Inc. Android, Google Play and the Google Play logo are trademarks of Google LLC. Data rates may apply.

©2022 Optum, Inc. All rights reserved