Welcome to Optum Bank
Optum Bank, a part of Optum Financial, is connecting health and finances in unprecedented ways.
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.
Using your health account dollars
News and regulatory updates
Browse our resources below for the latest regulation and legislative changes that may impact your health accounts.
Regulatory update
IRS 2022 HSA contribution limits
Each year, the Internal Revenue Service (IRS) sets contribution limits for health savings accounts (HSAs). This year, contribution limits have increased by $50 for individuals and $100 for families.
Regulatory update
Amounts paid for certain PPE treated as qualified medical expenses
PPE such as masks, hand sanitizer and sanitizing wipes purchased for preventing the spread of COVID-19 are now treated as qualified medical expenses.
Regulatory update
American Rescue Plan Act of 2021
Employers may choose to amend their plans to increase the dependent care flexible spending account (DCFSA) contribution limit for 2021 only.
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.
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.
Fund your account
Have you contributed the max to your HSA?
Learn how to make a contribution to your HSA today so it is there for you when you need it — now or in the future — to pay for qualified medical expenses.
*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.