The Optum Store
What can I buy with my HSA card?
Your HSA card is the fastest and most convenient way to pay for everyday health expenses like bandages to braces, and contacts to chiropractors. Plus you save up to 30%* since you’re using pre-tax dollars. Shop the Optum Store for even more savings. Get 5% off at checkout with code OPTHSA5.
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.
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?
Pay the fast way with your HSA card
Your HSA card fast-tracks your payments and lets you skip the paperwork — all while saving you 30%* by using HSA dollars. Use it online, in store, or at your doctor. Learn more.
Combine your HSAs
Already have a health savings account (HSA) with another HSA provider? Save time by combining your HSAs into a single account with Optum Bank. It's easy to do. Learn more.
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.
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.
Getting started with your HSA
HSA contribution limits
Max out your HSA this year with contribution limits set by the IRS.
New account holder checklist
Learn more about how to put your HSA to work for you.
Transfer your HSA
Learn how to save time by combining your HSAs into a single account with Optum Bank.
How to use your HSA
How to make an HSA contribution online
Learn how to make an online after-tax deposit into your HSA.
Using your HSA card
Use your HSA card to shop for everyday health expenses like bandages, braces, chiropractors and contacts — all while saving 30% with pre-tax funds.*
Managing an HSA
Take charge of paying for qualified medical expenses.
Investing your HSA
Options to invest your HSA funds
Want to build up your balance? You can choose to invest your HSA dollars.
HSA mutual fund lineup
View the standard investment options available.
HSAs: Planning for retirement
Your HSA can be used as part of your broader financial planning.
*Savings compares using pre-tax income in your HSA to using after tax income for purchases and assumes a 30% combined tax rate from all applicable federal, state, and FICA taxes. Results and amount will vary depending on your circumstances.