About Us

About Us2021-09-27T12:56:59-04:00

Making it easier to manage care so you can enjoy life


Welcome! Optum Financial is one of the nation’s largest benefit savings providers, offering health savings accounts (HSAs), flexible spending accounts (FSAs), health reimbursement arrangements (HRAs), and other tax-advantaged employee benefits, as well as COBRA Administration services. We’re revolutionizing how companies administer consumer-directed health care and how employees benefit from solutions and services that are simple, seamless and offer peace of mind—resulting in better adoption, higher satisfaction, and lower costs.


How We Got Started


In 2002, a team of experts came together to create some workable alternatives for delivering truly affordable health care to U.S. companies and their employees. During this time, this team became skilled at anticipating emerging policies and trends—and responding with common-sense products and innovative tools.

How We’ve Grown


Our approach to consumer-directed health care has remained rooted in creating better, more efficient connections among the employers, health plans, and financial institutions that provide benefits; the employees accessing health care services; and the professionals who provide care. To accomplish that mission, we’ve gone to great lengths to develop unique, customer-focused solutions, including:

HSA On Demand® — providing participants with accelerated access to future HSA contributions at the beginning of the year

ClaimsAlly — our advanced technology that increases auto-substantion rates for FSAs and other notional accounts

BrokerCommand — our comprehensive platform for brokers designed to reduce the amount of time and headaches required to manage clients’ CDH benefits

But it’s the amazing companies and people that utilize these solutions today that define Optum Financial the most.

  • Nationally Recognized
 Benefits Leader

  • Customizable Solution with Extensive Integrations

  • Centralized and Agile Platform

  • 24/7/365 customer service based in the U.S.

  • Turnkey education and enrollment resources

What We Offer

smartCDH™ Consumer-Directed Health Care Solutions for Companies


Health Savings Accounts

Curb costs while preserving the benefits that workers need with a traditional HSA or our revolutionary HSA On Demand® solution.

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Flexible Spending Accounts

Help employees take a consumer-directed approach to care with Health Care FSAs, Limited Purpose FSAs, and Dependent Care FSAs.

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Health Reimbursement Arrangements

Offer an HRA to maximize your control over covered expenses and portability while satisfying employees’ needs

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COBRA Administration Services enable employees to avoid insurance coverage interruption—providing peace of mind.

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Commuter Benefits

Our Commuter Benefits program allow individuals to set aside pre-tax funds to pay for eligible transit and parking expenses.

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Work-Life Benefits

Empower employees and their families with corporate Health & Wellness, Adoption, and Education reimbursement programs.

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Optum Financial Awards & Recognition

Optum Financial is proud that our portal application has received HITRUST CSF Certification, reaffirming that the technology we create to make participants’ lives easier also helps keep their sensitive information secure.



We’re here to help! Contact us to request more information about how Optum Financial solutions can help you achieve your goals.

Request a Demo

We’re here to help! Contact us to request more information about how Optum Financial solutions can help you achieve your goals.

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