Welcome to Optum Bank
Optum Bank is connecting health and
finances in unprecedented ways.
We are now Optum Financial which includes Optum Bank
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.
Using your health account dollars
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.
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.
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.
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. You have until the tax filing deadline (typically April 15th) to make contributions to your HSA for the previous year. This means that for the 2020 tax season, you can contribute up to the annual maximum contribution limit until April 15, 2021.
*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.