O4 Hubs detail
O4 Detail Hero Banner

   

""

Register for online access

After you registersign in any time to choose online or mail delivery of important documents, deposit funds, check your balance, capture receipts and pay bills online.

""

Designate a beneficiary

Make it clear who should receive the money in your account, in the event of your death, by signing in and completing the beneficiary designation form available within your profile.

""

Start making contributions

Consider setting up automatic pre-tax deductions from your paycheck. You can also make post-tax contributions by signing in to your account and setting up a one-time or recurring transfer from another bank account.

""

Activate your debit card

Using your Optum Financial payment card is a convenient way to reimburse yourself or pay for qualified medical expenses at the time of service or purchase.

""

Download the mobile app

Visit the App Store or Google Play.

""

Review your account’s fee schedule

Your welcome kit will contain this and other important information. Be sure to retain your kit for future reference.

""

Learn about qualified medical expenses

Find out which medical expenses are qualified for tax advantages so you don’t accidentally use your account for nonqualified expenses and have to pay taxes and IRS penalties on the distributions. Be sure to save all your receipts, too. 

Related resources

O4 Complex Card

Manage your HSA contributions

Are you taking full advantage of all your HSA's tax benefits by contributing the maximum each year?
O4 Complex Card

HSA investment overview

Watch this video to learn more about how to set up your investment account — and start investing today.
O4 Complex Card

How to use an HSA

Learn how to make deposits to and withdrawals from your health savings account (HSA).
O4 1 Column (Full)
O4 Text Component

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. The Schwab Health Savings Brokerage Account is offered to certain account holders through Charles Schwab & Co., Inc., Member FINRA/SIPC. For details and disclosures, visit schwab.com. Brokerage services are offered to certain accountholders through TD Ameritrade, Inc., Member FDIC/SIPC and a subsidiary of The Charles Schwab Corporation. For details and disclosures, visit tdameritrade.com.

Orders are accepted to effect transactions in securities only as an accommodation to HSA owners. Optum Financial and its subsidiaries are not broker-dealer or registered investment advisors and do not provide investment advice or research concerning securities, make recommendations concerning securities, or otherwise solicit securities transactions.

Health savings accounts (HSAs) are individual accounts offered through Optum Bank®, Member FDIC, or ConnectYourCare, LLC, an IRS-Designated Non-Bank Custodian of HSAs, each a subsidiary of Optum Financial, Inc. Neither Optum Financial, Inc. nor ConnectYourCare, LLC is a bank or an FDIC insured institution. 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 (FSAs), dependent care assistance programs (DCAPs), health reimbursement arrangements (HRAs), Commuter and Parking Benefits, Tuition Assistance Plans, Adoption Assistance Plans, Surrogacy Assistance Plans, Wellness Benefits, and Lifestyle Accounts (collectively, “Employer-Sponsored Plans”) 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. Employer-Sponsored Plans are not individually owned and amounts available under the Employer-Sponsored Plan are not FDIC insured. This communication is not intended as legal or tax advice. Federal and state laws and regulations are subject to change. 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.

Google Play and the Google Play logo are trademarks of Google LLC. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.

The promotional code OPTFSA7, OPTHSA5 and OPTHRA7 cannot be applied to previously placed orders, and cannot be combined with other promotional codes. Additionally, the code cannot be used for prescription drugs or virtual care visits. 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.

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.

Your employer sponsored plan may exclude reimbursement for certain categories of items. Check your plan document and summary plan description or contact your benefits department for specific coverage details. 

© 2022 Optum, Inc. All rights reserved

O4 1 Column (Full)
O4 Text Component

Investments are not FDIC insured, are not bank issued or guaranteed by Optum Financial or its subsidiaries, including Optum Bank, and are subject to risk including fluctuations in value and the possible loss of the principal amount invested.