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Health savings accounts (HSAs)

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An HSA is a tax-advantaged account that can help you pay for qualified medical expenses.

Sign in to your HSA

Enroll in an HSA today

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Learn more about an HSA

Life has its surprises, but with an Optum Bank HSA, paying for qualified medical expenses won't be one of them. Learn more about the benefits of an HSA.

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Save money on taxes

An HSA is a triple tax-advantaged account that can help you pay for qualified medical expenses.

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No “use it or lose it” rule

You get to keep the money in your HSA, no matter what, even if you change jobs or move off a qualifying high-deductible health plan.

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It's a family affair

You can use your HSA to pay for the qualified medical expenses of anyone you claim on your taxes, even if you’re only enrolled with single coverage.

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What is an HSA?  

An HSA is designed to work with a qualifying high-deductible health plan (HDHP). The money goes in tax-free, grows income tax-free and comes out income tax-free when you use it for qualified medical expenses.

You can carry over unused funds from year to year, and the account is yours to keep even if you change jobs, change health plans or retire.

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Take charge of your healthcare spending. Save smart, it’s easy with a health savings account, or HSA.

An HSA is used to save for qualified medical expenses for you and your eligible dependents, both now and in the future. It works like a regular bank account.

However, an HSA has big tax benefits. In fact, in most cases there are three ways an HSA helps you keep your money in your pockets and out of Uncle Sam’s.

First, generally you won’t pay federal income tax on money you deposit into your account. Keep in mind the IRS sets limits on how much you can contribute each year.

Second, you won’t pay income tax on money you use for qualified medical expenses, that includes vision and dental expenses.

And third, your savings grow income tax free, helping you create a nice little nest egg for retirement.

More good news, with an HSA there’s no use it or lose it rule, that means the money in your account is yours to keep, even if you change jobs or health plans.

Who’s eligible for an HSA? The main requirement is that you’re covered under a qualifying high-deductible health plan or HDHP. Although there are additional requirements defined by the IRS.

So, don’t wait, if you don’t already have an HSA open one! If your HSA is already up and running, contribute to it.

Start taking charge of your health care savings and spending with a health savings account, an easy way to save smart.

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Open an HSA

Take control of your health care savings

An HSA is designed to work with a qualifying high-deductible health plan (HDHP). It takes less than 10 minutes to open an HSA.

Enroll today

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Resource library

Understanding how to connect your health and finances is more important than ever.

Our resource library brings together industry-leading education, tools and resources designed to help you make the most of your health accounts.

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Regulatory update

IRS reminder for COVID-19 tests and PPE

The Internal Revenue Service (IRS) issued a reminder, IR-2021-181, that COVID-19 home testing kits are eligible for reimbursement under health care FSAs, HSAs, HRAs and Archer MSAs.

Learn more

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HSA resources

Manage your HSA contributions

Are you taking full advantage of all of your HSA’s tax benefits by contributing the maximum each year?

Make an HSA contribution

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Qualified medical expenses

Does your expense qualify?

Filter by account type and expense type to learn about qualified medical expenses.

View qualified medical expenses

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Introducing the Optum Store
Save smart. Spend smart.

Shop where everything is HSA-eligible. And shop with confidence for products you and your family need at prices you’ll love — including over-the-counter (OTC) medications, select prescription medications and other physical health items.

Make the most of your health care dollars with discounted product bundles and special offers. Plus get free shipping on every order — and expedited shipping for orders $50+.

 Shop HSA products

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*Your FSA plan may exclude reimbursement for certain categories of items. Check your plan for specific coverage details.

The promotional codes OPTFSA7, OPTHSA5 and OPTHRA7 offered by the Optum Store is intended for the sole use by Optum Financial flexible spending arrangement (FSA) and health saving account (HSA) members when making a purchase with their FSA or HSA. Promotional codes cannot be applied to previously placed orders and cannot be combined with other promotional codes. Promotional codes are not transferable or redeemable for cash or credit. To apply a promotional code, you must enter it prior to completing the order. Failure to adhere to these terms of use may result in the transaction being voided.

Free and expedited shipping offers do not apply to shipping outside of the contiguous United States. Additional shipping restrictions may apply.

The Optum Store is an affiliate of the UnitedHealth Group family of companies.