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Health savings accounts (HSAs)

An HSA is a tax advantaged account that can help you pay for qualified medical expenses.

Enroll in an HSA today

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Introducing the Optum Store.
Save smart. Spend smart.

It's your new go-to destination for hundreds of health and care products — where everything is HSA-eligible.
Shop now using code OPTHSA5 with your HSA to receive a 5% discount off all your purchases, plus free shipping.*

Shop HSA products

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What is an HSA? 

An HSA is designed to work with a qualifying high-deductible health plan (HDHP). The money goes in tax-free, grows income tax-free and comes out income tax-free when you use it for qualified medical expenses.

You can carry over unused 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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Learn more about an HSA

Life has its surprises but with an Optum Bank HSA, paying for qualified medical expenses won't be one of them. Learn more about the benefits of an HSA.

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Save money and save on taxes

Keep Uncle Sam out of your pocketbook. The money you contribute to your HSA goes in, grows and comes out income-tax free when used for qualified medical expenses. You know you're going to need it — so why not save on taxes, too?

There is no "use it or lose it" rule

You get to keep the money in your HSA, no matter what, even if you change jobs or move off a qualifying high-deductible health plan. When you, your employer or anyone else makes a contribution to your HSA, it stays there so you can use it when you need it. 

It's a family affair

You can use your HSA to pay for the qualified medical expenses of anyone you claim on your taxes, even if you're only enrolled with single coverage. This is a great way to plan for unexpected medical expenses, from your deductible to an ER visit, for the whole family.

Invest your HSA dollars

In addition to contributing to your 401(k) you can also invest your HSA dollars to help grow your balance. Unlike a 401(k) when you use HSA funds for qualified medical expenses — it’s always 100% income tax-free. Learn more about our investment options.

Start planning for retirement

An HSA is a great tool to help you prepare for future health care costs and retirement.  After turning 65 you can use your HSA funds for non-qualified expenses, like a boat or an exotic vacation. You’ll pay ordinary income tax on those funds, but the 20% tax penalty no longer applies. As you're planning for the future, your HSA can ease your mind and prepare you for retirement by saving money income tax-free.

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Already an Optum Bank HSA account holder?

Sign in

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Have you contributed the max to your HSA?

Make a contribution to your HSA today so it is there for you when you need it — now or in the future — for qualified medical expenses like copays, vision and dental. And it's there in case something unexpected comes up — like a trip to the ER or braces for your kids (or for you).

Plus, when you grow your balance, you can choose to start investing to fast-track your long-term savings. Learn more about investing.

Make a contribution today

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Additional Resources

Getting started with your HSA

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HSA contribution limits 

Max out your HSA this year with contribution limits set by the IRS.

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New account holder checklist 

Learn more about how to put your HSA to work for you.

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How to use your HSA

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How to make an HSA contribution online 

Learn how to make an online after-tax deposit into your HSA.

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Paying with an HSA 

You have several ways to pay for qualified medical expenses using your HSA.

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Managing an HSA 

Take charge of paying for qualified medical expenses.

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Interest rates and fees 

Learn more about fees and interest rates for your HSA.

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HSA tax center 

Prepare for tax season and get answers to your questions about your taxes.

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Investing your HSA

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Options to invest your HSA funds 

Want to build up your balance? You can choose to invest your HSA dollars. 

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HSA mutual fund lineup  

View the standard investment options available.

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HSAs: Planning for retirement 

Your HSA can be used as part of your broader financial planning.

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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.