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Welcome to Optum Bank

Optum Bank is connecting health and
finances in unprecedented ways.

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Questions about qualified medical expenses?

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With our qualified medical expense search tool, you can filter by health account and product type to determine what’s considered a qualified medical expense.

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Don’t have an HSA?

An HSA is like no other savings account. The money you contribute goes in, grows and comes out income tax- free when used for qualified medical expenses, and the account is yours to keep even if you change jobs or move off a qualifying high-deductible health plan. Enroll today.

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Resources and Digital tools

Take advantage of these tools and educational resources to make the most of your health accounts.

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Tool

Qualified medical expense search tool

Learn about qualified medical expenses. Use this search tool to filter by account type and expense type to see what qualifies.

View the list

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Application

Optum Bank Mobile App

All the tools you need when you're on the go. Make deposits, track payments and capture receipts.

Download the app

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Tool

HSA contribution calculator

Figure out your maximum contribution, estimate your tax savings and see how your savings can grow over time.

Learn more

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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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Optum Bank Academy

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EDUCATIONAL TOOLS

Take the complexity out of understanding your health account

Enroll in custom courses designed to help you plan, save and pay for qualified medical expenses.

learn more

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VIDEO

Optum Bank Academy – HSA educational courses

Learn why it’s important to fund your HSA and develop a personal contribution strategy to save for the future.

Watch course trailer

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VIDEO

Optum Bank Academy – FSA educational courses

Learn how a flexible spending account (FSA) works, plan for annual contributions, and how to submit claims for reimbursement.

Watch course trailer

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