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Welcome to Optum Bank

Optum Bank is connecting health and
finances in unprecedented ways.

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We are now Optum Financial which includes Optum Bank

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We have renamed our business Optum Financial. We will continue to be a leader in health accounts while expanding our financial capabilities and banking expertise. Our focus remains on helping businesses and consumers save, spend, pay and invest for health care.

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2020 tax filing & payment and HSA contribution deadlines extended

The federal income tax filing and payments deadline has been extended from April 15, 2021, to May 17, 2021. The amount of time that individuals have to make 2020 health savings account (HSA) contributions has also been extended to May 17.

Learn more

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Using your health account dollars

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Qualified medical expenses

Does your expense
qualify?

Use our qualified medical expense search tool to find out what expenses qualify.

View qualified expenses

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Qualified medical expenses

At-home COVID-19 tests now available

Get fast, accurate COVID-19 test results from the comfort of your home. Abbott's BinaxNOW™ COVID-19 Ag Card Home Tests are now available at the Optum Store.

Shop now

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Don’t have an HSA?

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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.

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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.

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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.

Learn more about HSAs

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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.

Learn more about FSAs

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Tax resources

Questions about your HSA and taxes?

Browse resources to learn more about the tax benefits and what you need to know at tax time.

Learn more about tax time

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Start 2021 off smart

Is your HSA fully funded?

Funding your health savings account (HSA) can help give you a leg up in 2021 — whatever it may bring. Maximizing your account each year could help you build up your nest egg so you're prepared for expected, and unexpected, health care costs. Contributing the maximum will help you save on taxes this year and keep you comfortable next year. Learn more about the benefits of funding your account.

Know the limit to go the limit

2021 is here. Start the new year off right by maxing out your HSA contributions.

2020 HSA contribution limits:

  • $3,550 for individual coverage
  • $7,100 for family coverage

2021 HSA contribution limits:

  • $3,600 for individual coverage
  • $7,200 for family coverage

The IRS sets guidelines for how much you can contribute to an HSA each year. Please note the federal income tax filing and payments deadline has been extended from April 15, 2021, to May 17, 2021. The amount of time that individuals have to make 2020 health savings account (HSA) contributions has also been extended to May 17. This deadline extension only applies to federal taxes; check your state’s tax filing deadline as it may vary by state.   Learn more. 

Add funds now

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Ready to start investing your HSA dollars? 

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Investing your HSA

Investing options from Optum Bank

Investing HSA dollars has many potential tax benefits and can be an additional way to save for future health care needs.

Learn more about your investing options

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Investing options

Digitally managed investments with Betterment

Optum Bank is now offering automated online advice and investing through Betterment.

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Investing options

Optum Bank mutual fund lineup

Optum Bank offers a diverse set of mutual funds that average a four-star Morningstar rating and represent some of the lowest expense ratios in the industry.

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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 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.