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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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Research and insights

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..

Download white paper 

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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.

Learn more 

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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.  

    Learn more

    Lifestyle accounts

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

    Learn more

    Stop Loss

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

    Learn more

    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.

    Learn more

    Prepaid card solutions

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

    Learn more

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  • Health accounts

    Help people save and pay for health care.

    Learn more

    Stop Loss

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

    Learn more

    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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