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A comprehensive way to pay for health care.

We bring you convenient ways to cover your care, so you can spend time on what really matters.

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Health accounts

Gain a complete understanding of the financial side of health
We help you connect the worlds of health and finance in new ways because we believe that simpler, smarter health care savings and payments lead to better,
more impactful care experiences.

Health care flexible spending account

A health care FSA (HCFSA) reimburses you for eligible health care expenses for you and your eligible dependents.

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Dependent care flexible spending account

A dependent care flexible spending account (DCFSA) can help you put aside dollars, income tax-free, for the care of children under the age of 13 or for dependent adults who can’t care for themselves.

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Healthe futures account

HRAs are a way for your employer to help offset your health care costs for eligible expenses and gain tax advantages.

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Commuter benefits - Online ordering model

Reduce your commuting expenses by taking advantage of commuter benefits.

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Health Finance Ed Center

Understanding how to connect your health and finances is more important than ever. Our health finance ed center brings together industry-leading education, tools and resources designed to help you make the most of your health accounts.

What is HealthSafe ID

HealthSafe ID is our leading technology that strengthens website authentication protocols and enhances the security of your account by adding dual-factor authentication, so it remains safe and secure.

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Resources

Does your expense qualify?

Questions about whether expense qualifies? Use our qualified medical expense search tool to filter by account type and expense type to see what qualifies.

View qualified medical expenses

Shop for all your health and wellness needs

Visit Optum store and explore their wide range of HSA and FSA-eligible products at everyday low prices. We've got you covered.

Shop Optum Store

Optum Financial Mobile App

All the tools you need when you’re on the go. With the Optum Financial mobile app, you can easily manage your HSA, FSA or HRA anywhere.

Download mobile app
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About Optum Financial

At Optum Financial we’re entirely dedicated to improving people’s well-being and are passionate about the relationship between health and finances.

We’re focused on providing innovative solutions that help you connect your health and finances in new ways.

Have questions or need help?

You can get support 24/7 at 1-833-325-9996.

Investments are not FDIC insured, are not bank issued or guaranteed by Optum Financial or its subsidiaries, including Optum Bank, and are subject to risk including fluctuations in value and the possible loss of the principal amount invested.

Self-directed mutual fund investment options are made available through the services of an independent investment advisor, or your plan sponsor. Discretionary advisory services are provided by Betterment LLC, an SEC-registered investment adviser, with associated brokerage transactions provided by Betterment Securities, Member FINRA/SIPC. For details and disclosures visit betterment.com. The Schwab Health Savings Brokerage Account is offered to certain account holders through Charles Schwab & Co., Inc., Member FINRA/SIPC. For details and disclosures, visit schwab.com. Brokerage services are offered to certain account holders through TD Ameritrade, Inc., Member FDIC/SIPC and a subsidiary of The Charles Schwab Corporation. For details and disclosures, visit tdameritrade.com.

Orders are accepted to effect transactions in securities only as an accommodation to HSA owners. Optum Financial and its subsidiaries are not broker-dealer or registered investment advisors and do not provide investment advice or research concerning securities, make recommendations concerning securities, or otherwise solicit securities transactions.

Health savings accounts (HSAs) are individual accounts offered through Optum Bank®, Member FDIC, or ConnectYourCare, LLC, an IRS-Designated Non-Bank Custodian of HSAs, each a subsidiary of Optum Financial, Inc. Neither Optum Financial, Inc. nor ConnectYourCare, LLC is a bank or an FDIC insured institution. HSAs are subject to eligibility requirements and restrictions on deposits and withdrawals to avoid IRS penalties. State taxes may apply. Fees may reduce earnings on account.

Flexible spending accounts (FSAs), dependent care assistance programs (DCAPs), health reimbursement arrangements (HRAs), Commuter and Parking Benefits, Tuition Assistance Plans, Adoption Assistance Plans, Surrogacy Assistance Plans, Wellness Benefits, and Lifestyle Accounts (collectively, “Employer-Sponsored Plans”) are administered on behalf of your plan sponsor by Optum Financial, Inc. or ConnectYourCare, LLC (collectively, "Optum Financial") and are subject to eligibility and restrictions. Employer-Sponsored Plans are not individually owned and amounts available under the Employer-Sponsored Plan are not FDIC insured. This communication is not intended as legal or tax advice. Federal and state laws and regulations are subject to change. Please contact a legal or tax professional for advice on eligibility, tax treatment, and restrictions. Please contact your plan administrator with questions about enrollment or plan restrictions.

Google Play and the Google Play logo are trademarks of Google LLC. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.

The promotional code OPTFSA7, OPTHSA5 and OPTHRA7 cannot be applied to previously placed orders, and cannot be combined with other promotional codes. Additionally, the code cannot be used for prescription drugs or virtual care visits. 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.

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.

Your employer-sponsored plan may exclude reimbursement for certain categories of items. Check your plan document and summary plan description or contact your benefits department for specific coverage details.

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