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Health savings and spending accounts

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Help employees save and pay for health care.

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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
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More than 8 million health accounts

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Over $17 billion assets under management

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#1 HSA provider in the US

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Explore our solutions

Learn more about our health accounts and how to incorporate them into your benefits offering.

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  • Discover the benefits of an HSA

    An HSA helps employees manage health care spending and enables them to plan, save and pay for health care through a tax-advantaged account.

    Unused funds carry over from year to year, and the account is theirs to keep even if they change jobs, change health plans or retire.

    Tax benefits

    HSAs offer tax-advantaged savings:

    • Income tax-free payroll contributions
    • Income tax-free payments for qualified medical expenses
    • Income tax-free growth from interest or any investment earnings

     Download fact sheet

    Learn more about HSAs

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  • Offset employee health care costs

    An HRA helps employees manage their health care spending and enables them to pay for health care through an employer-owned account.

     Download fact sheet

    Learn more about HRAs

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  • Financially reward employees for healthy actions

    An HIA helps employees manage their health care spending and enables them to pay for health care through an employer-owned account. The account is funded after pre-defined health actions are completed by the employee, resulting in a healthier workforce.

     Download fact sheet

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  • What is an ICHRA?

    An ICHRA is an innovative solution that provides an expansion of HRA health benefits for employees. It represents a more modern model of health insurance.

    Learn more about ICHRAs

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  • Help employees be more active in their health care

    Engaged employees make  more informed, cost-effective decisions, helping to reduce costs and increase productivity for your organization. 

    An FSA helps employees budget for expenses while reducing their taxable income. 

    Multiple ways to save

    Health care FSA: Eligible expenses may include certain medical, dental, vision, prescription drug and qualified over-the-counter expenses that are not reimbursed by your group benefit plans or another source.

    Dependent care FSA: A benefit plan that allows employees to use pre-tax dollars to pay for dependent care services incurred while they are at work. Typical expenses are incurred for the care of dependents under the age of 13 or older dependents incapable of self-care.

    Limited purpose FSA: A tax-advantaged account offered alongside an HSA. Employees can pay for dental and vision expenses with pre-tax dollars without having to dip into their HSA.

     Download fact sheet

    Learn more about FSAs

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  • Reduce qualified commuting expenses

    Commuter benefits help employees pay for qualified commuting expenses such as public transportation, parking and bicycle commuting expenses.

    Two benefit options

    Ordering model:

    With the ordering model, employers provide an eligibility list to their employees of products and services they can order the month before they need them. Participating employees can place orders on the Optum Financial website. 

    Election model:

    With the election model, employees make a monthly payroll deduction election that contributes to a separate account. The account is used to purchase transportation products and services up to the amount of the account’s balance.

    Learn more about commuter benefits

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  • Create a seamless transition for your beneficiaries

    Optum combines in-depth knowledge of federal and state continuation laws with unique administration capabilities to create a premier COBRA solution.

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Latest thinking from Optum Financial

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

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Research and insights

5 Stages of Health Saving and Spending

Discover how Optum Financial has advanced its predictive engagement model to provide the right message at the right time for health savings account optimization.

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Research and insights

The marriage of health and money

Learn how to end consumer confusion about health savings and spending by modernizing health savings accounts with digital technology and analytics.

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Research and insights

Is financially preparing for a chronic condition possible?

Learn about the emotional impact of chronic care and how deeply intertwined health and finances are. This paper also includes ideas for how to financially weather a chronic condition.

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