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Optum Financial insights and research

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Optum Financial is dedicated to helping consumers understand the financial side of health care and what they can do to take a proactive approach. View the materials below to learn more.

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Health Finance Journeymodel

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Health Finance Journey model and 5 Stages Pathways

This article introduces an advanced version of the Optum Financial proprietary engagement tool, the Health Finance Journey™ model and the 5 Stages of Health Saving and Spending, Pathways level.

Download Pathways PDF

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Your HSA and retirement

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Use your HSA as a retirement vehicle

This article details survey findings and provides recommendations from leaders at Optum Financial and Empower Retirement for encouraging retirement health care savings with an HSA.

Download the retirement PDF

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Connecting health and finance (your money)

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Financially preparing for a chronic condition

Learn about the emotional impact of chronic care and how deeply intertwined health and finances are.

 Download the PDF on financially preparing for a chronic condition

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The marriage of health and money

See how Optum Financial is working to end consumer confusion by introducing analytics, technology and a digital experience.

 Download the PDF on the marriage of health and money

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Understanding how an HSA works

Discover how a health savings account (HSA) can help you manage health care costs now and in the future.

 Download the PDF on understanding how an HSA works

 

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Health and finances: More connected than ever

The COVID-19 pandemic has forced us as individuals, families and communities to adapt to an ever-changing way of life. With such intense focus on our health, the interconnection of health and finances is more important than ever. Learn more about how to use your health accounts to help cope with financial unpredictability.

 Download the PDF on health and finances

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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.

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