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
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
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.
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