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Spend less on health care expenses

At Optum Financial, we help you save on health costs, so you have more to spend on the things you love.

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New user?  Register

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Pay the smarter way

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Your HSA/FSA card is the fastest and most convenient way to pay for everyday health expenses like bandages to braces, and contacts to chiropractors. Plus, you save up to 30%* since you’re using pre-tax dollars.

Save even more with Optum Store — 7% savings on FSA purchases with code OPTFSA7 and 5% on HSA purchases with code OPTHSA5.

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We make paying for health care easier
while making your health care dollars go further

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Digital wallet

With just a tap of your smartphone, you pay for everything from copays and prescriptions to acupuncture and acne meds.

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Use your health account dollars

Boost your balance

Get your extra tax break by making a tax-free contribution to your HSA so you always have money in your account when you need it.

Make a contribution

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We're here to help

Whether you’ve just opened your account or you’re preparing to retire, use our tools to help you save, pay and invest for your health care now and into the future.

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HSA resource

What can I buy with my health account dollars?

Using your HSA/FSA payment card is the easiest way to pay for qualified expenses. Plus, you save up to 30%* since you’re using pre-tax dollars.

View qualified expenses

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HSA-FSA Card: Pay the smarter way

Your card is the most convenient way to pay for all qualified expenses. Plus, you save an average of 30% on any health costs because you are using pre-tax funds.*

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HSA resource

Transfer your HSA

Already have a health savings account (HSA) with another HSA provider? Save time by combining your HSAs into a single account with Optum Bank. It's easy to do.

Learn more

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Questions about your taxes?

Make the most of your HSA by taking advantage of all the tax benefits. Browse our resources to ensure you’re up to speed for tax season.

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HSA tax time

Looking for your bank or tax statements?

You can get copies of your most recent tax forms by signing in to your account online.

Sign in to your account

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HSA tax time

HSA tax center

Additional questions about how to save on taxes with your HSA? Visit our tax center  to prepare for tax season and get answers to your questions about your taxes.

Visit our tax center

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HSA tax time

Keep Uncle Sam out of your pocketbook

Save up to 30% on income taxes when you use your HSA/FSA card.* Save even more with Optum Store — 7% savings on FSA purchases with code OPTFSA7 and 5% on HSA purchases with code OPTHSA5.

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*Savings compares using pre-tax income in your health benefit account (HSA, FSA) to using after-tax income for purchases and assumes a 30% combined tax rate from all applicable federal, state and FICA taxes. Results and amount will vary depending on your circumstances.