Our products and services

Optum Bank, Member FDIC, provides products and services to help individuals save and pay for health care. We are dedicated to meeting the health care financial needs of individuals and families, and their employers.

See how an HSA works

The details of how a health savings account (HSA) works and the benefits it can provide can be explained with four simple words: deposit, grow, save and pay.

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Health savings accounts (HSA)

An Optum Bank HSA lets individuals save pretax money to pay for qualified health care expenses – such as doctor visits, prescription drugs and dental and vision care – now or in the future.
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HSA investment services

Once the balance in an HSA reaches a certain designated balance, individuals have the option of investing a portion of their savings in mutual funds.*
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Flexible spending accounts (FSA)

Flexible spending accounts offers employees a way to budget and pay for medical and dependent care expenses, while reducing an employer’s payroll tax burden.
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Health reimbursement accounts (HRA)

Health reimbursement accounts are a way for employers to help offset their employees’ health care costs and gain tax advantages.
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To open an HSA, you need to have a qualifying high-deductible health plan. Find out if your plan qualifies or look for a plan that does.
 Learn more about eligibility


Contact an Optum sales representative to learn more about offering our health financial solutions to your employees.

 Email inquiry@optum.com
 Contact Us Form

Investments are not FDIC-insured, are not guaranteed by Optum Bank and may lose value.