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Welcome to Optum Bank

Optum Bank is connecting health and
finances in unprecedented ways.

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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

Welcome to the Optum Store.

Shop with confidence; everything is HSA- and FSA- eligible.* Skip the receipts when using your Optum Bank payment Mastercard® - purchases are automatically approved, hassle-free. Plus, get free shipping.** Learn more.

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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Educational resources

5 Stages of Health Saving and Spending

Learn more about the five stages individuals move through when it comes to their HSA.

Learn more

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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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Additional resources

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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.

Learn more about the 5 stages

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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.

Learn more

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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.

View list

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*Your FSA plan may exclude reimbursement for certain categories of items. Check your plan for specific coverage details.

**Free and expedited shipping offers are applicable through Dec. 31, 2020, and 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.