The 5 stages of health saving and spending
Optum conducted extensive proprietary research to better understand consumers and their health savings journey. We examined hundreds of experience documents and conducted ethnographic research across the country. By understanding how employees approach health saving accounts, we can help them take important steps toward saving and paying for health care. They'll feel more in control of their health and confident that their long-term health care needs will be met.
Your employees' health saving & spending journey
Optum has found that there are 5 stages in the health saving and spending journey, each with its own set of goals, mindsets and activities. Some employees may take months to move through the stages, others may take years. Four types of consumers are on the journey, and they have unique financial habits and decisions.
Click on each stage and consumer to learn more. Where are your employees on the journey?
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What do you think?
After you've familiarized yourself with the 5 stages of the health savings and spending journey and the profiles, ask yourself:
- In which of the 5 stages are most of your employees?
- Which profile best describes your employees?
INDUSTRY-LEADING EXPERIENCE WITH HSAs
An Optum health savings account (HSA) provides employees with a tax-advantaged way to save and pay for qualified health care expenses now and into retirement — all while lowering your administrative overhead.
Learn more about our HSAs