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Welcome to Optum Bank

Optum Bank, a part of Optum Financial, is connecting health and finances in unprecedented ways.

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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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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

Use your HSA/FSA dollars

At the Optum Store, you can shop OTC products, fill your Rx, and get virtual care using your Optum Financial payment card.

Shop now

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Health Finance Ed Center

Health care and finances are more connected than ever. Browse our resources below to learn how to make the most of your health accounts and estimate how much you should save.

Visit our resource hub to browse all of our resources, from videos to financial wellness articles. You'll find educational materials to help you make better decisions on how to save, pay and invest your health care dollars now and into retirement.

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HSA resources

Show your HSA some love

Get up to speed on maximizing your HSA.

View tips

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HSA resources

Manage your HSA contributions

Are you taking full advantage of all of your HSA's tax benefits by contributing the maximum each year? Doing so will help you feel prepared for expected, and unexpected, health care costs.

Manage your HSA contributions

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FSA spend down tips

Use, don't lose, your FSA funds

Remember to use your 2021 FSA money for eligible expenses. Browse tips on how to help manage your FSA funds.

View tips

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News and regulatory updates

Browse our resources below for the latest regulation and legislative changes that may impact your health accounts.

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Regulatory update

IRS reminder for COVID-19 tests and PPE

The Internal Revenue Service (IRS) issued a reminder, IR-2021-181, that COVID-19 home testing kits are eligible for reimbursement under health care FSAs, HSAs, HRAs and Archer MSAs.

Learn more

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News and regulatory update

2022 FSA limits announced

The IRS announced an increase in contribution limits for the 2022 tax year.

Learn more

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Regulatory update

Amounts paid for certain PPE treated as qualified medical expenses

PPE such as masks, hand sanitizer and sanitizing wipes purchased for preventing the spread of COVID-19 are now treated as qualified medical expenses.

Learn more

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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.