Welcome to Optum Bank
Optum Bank is connecting health and
finances in unprecedented ways.
Using your health account dollars
An HSA is like no other savings account. The money goes in on a pre-taxed basis through payroll contributions, grows income tax-free and comes out income tax-free when you use it for qualified medical expenses. Plus, you can carry over unused available funds from year to year and the account is yours to keep even if you change jobs, change health plans or retire.
Health Finance Ed Center
Introducing the new Health Finance Ed Center. Click the links below to find educational tools and resources designed to help you make the most of your health accounts.
Educational resources
5 Stages of Health Saving and Spending
Learn more about the five stages individuals move through when it comes to their HSA.
HSA resources
Browse resources for your HSA
Learn more about the tax benefits of an HSA, contribution limits, how to invest your HSA and more.
FSA resources
Browse resources for your FSA
Learn more about the different types of flexible spending accounts, how to file a claim, upload a receipt and more.
Five stages of health saving and spending
Optum Bank Health Finance JourneyTM model
Whether you just opened a health savings account (HSA) or you’ve been contributing for years, you likely have questions. We all do. And how you use your HSA will likely change over time. Most of us go through a five-stage journey as we save and pay for qualified medical expenses.
Explore where you are in the journey
- Decide: I’m thinking about opening an HSA.
- Open: I have opened an HSA but haven’t used it much.
- Use: I'm using as much money as I'm contributing to my HSA.
- Manage: I'm using my HSA but have enough funds left over to potentially begin investing.
- Optimize: I’m turning my HSA into an investment and maximizing it.
*Your FSA plan may exclude reimbursement for certain categories of items. Check your plan for specific coverage details.
The promotional codes OPTFSA7 and OPTHSA5 offered by the Optum Store is intended for the sole use by Optum Bank 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.