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frequently asked questions

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HSA FAQs

  • No. You can keep your account, and the money in it remains yours. If your new employer offers an HSA, you can continue contributing to your Optum Bank® account instead of opening a new one.
    OR
  • You do not have to close your account, and you can continue using the money in your HSA even in retirement. If you no longer have a qualifying high-deductible health plan, you can’t make additional contributions.

    Click here to read our HSAs and Medicare FAQ.

    OR
  • Yes. Use the following links if you are having trouble remembering your username or password, or need to register for our site:

    Forgot username
    Forgot password
    Register now 

    OR
  • Find out whether your expense is qualified by checking out this list
    OR
  • The IRS sets guidelines for how much you can contribute to an HSA each year. 

    2020 limits:

    • An individual can contribute up to $3,550 (increase of $50 from 2019) for the year.
    • An individual with family coverage can contribute up to $7,100 (increase of $100 from 2019) for the year.

    If you are age 55 or older, you can contribute an additional catch-up contribution of $1,000 per year. If your spouse is also 55 or older, he or she may establish a separate HSA and make a “catch-up” contribution to that account.

    Sign in to your account today and check your contribution limit. 

    OR
  • The IRS sets guidelines for how much you can contribute to an HSA each year. 

    2021 limits:

    • An individual can contribute up to $3,600 (increase of $50 from 2020) for the year.
    • An individual with family coverage can contribute up to $7,200 (increase of $100 from 2020) for the year.

    If you are age 55 or older, you can contribute an additional catch-up contribution of $1,000 per year. If your spouse is also 55 or older, he or she may establish a separate HSA and make a “catch-up” contribution to that account.

    Sign in to your account today and check your contribution limit. 

    OR
  • You can get copies of your most recent tax forms by signing in to your account and viewing the "Statements and Docs" section. Please note tax forms are not available via the Optum Bank Mobile App.
    OR
  • To order additional cards for your spouse and eligible dependents, sign in to your account. In the “I want to” section, click “Manage debit cards.”
    OR
  • If you’re a new account holder, you’ll be able to choose a PIN when you first activate your debit card. If you’ve forgotten your PIN or need to change it, call the customer service phone number on the back of your debit card.
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  • If you’ve just opened an Optum Bank HSA, follow our New Account Holder Checklist to get off to a good start
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  • The main requirement for opening an HSA is having a qualifying high-deductible health plan that meets IRS guidelines. Learn more about HSA eligibility.
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  • You can sign in to your account to set up one-time or recurring deposits. You can mail in a check. Or, if available from your employer, you can set up payroll deductions from every check. You can also contribute with the Optum Bank mobile app.
    OR
  • You can use your Optum Bank debit Mastercard® on the spot or after you receive a bill. You can pay bills online or using the Optum Bank mobile app. Or you can reimburse yourself for a payment you’ve made.
    OR
  • Call 1-866-234-8913 to cancel your account.
    OR
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Helpful resources

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Health Savings Checkup

Estimate your health care expenses during retirement with this educational tool.

Video: How to use an HSA

Learn how to make deposits and withdrawals from your HSA.