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Employers

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Enhance your employees' experience

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Help employees become active participants in their health care journey.

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Improve employee health management

With Optum Financial, you can help your employees:

  • Prepare for and manage health care costs and payments 
  • Easily and securely access their information and accounts 
  • Feel empowered to become better health care consumers

Member engagement

Optum Financial provides employer resources as well as content directed at the account holder. We leverage our proprietary Health Finance Journey™ model and machine learning to customize the message, meeting the account holder where they are in their health savings journey.

Learn more

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HRcommand® — Easy account administration at your fingertips

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An easy-to-navigate dashboard and one-click access to reports and digital tools lets you save time and streamline managing employee benefits throughout the account lifecycle.

Watch for additional training and resources in the coming weeks.

  • Allows employers to access transaction information quickly and easily monitor tasks needed to complete key milestones.
  • Makes administration easier with intuitive design, helpful tools and useful tips that lets employers focus on their business, not paperwork.
  • Provides quick access to add and manage new employees, update employee records and pull detailed account reports in minutes.

 Sign in to HRcommand

Download overview flyer

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Explore our solutions

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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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