Health Savings Accounts (HSAs)

A health savings account (HSA) is a bank account you can use to plan, save and pay for qualified medical expenses if you have a high-deductible health plan.

orange_arrow Learn the basics of HSAs and find out if you're eligible

An IRA for Your Family's Health
Think of an HSA like an IRA (individual retirement account) that's dedicated to medical expenses. Unlike an IRA, though, you decide when to use the money you save. So, you can plan for current or future medical expenses for you, your spouse and your dependents.

Optum Bank HSA
Many financial institutions offer HSAs. Optum Bank is one that's focused on financial solutions for health care. We know the ins and outs of how HSAs and high-deductible health plans work together. And we know how to help you get the most out of your HSA.

Use the links below to learn more about:


* Investments are not FDIC-insured, are not guaranteed by Optum Bank and may lose value.

Health savings accounts (HSAs) are subject to eligibility requirements and restrictions on deposits and withdrawals to avoid IRS penalties. State taxes may apply. The content on this website is not intended as legal or tax advice.